vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiry listed below from my credit report. I am a victim of a data breach, and this information does not belong to me. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove these items upon receiving this request. 
Fraudulent Account : XXXX XXXX - XXXX - XXXX - {$1200.00} Fraudulent Inquiry : 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 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my second and last time disputing this account, I am writing this to dispute an account listed on my credit report that I believe is a 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 2024-12-06 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Approximately on XX/XX/year> I received a letter from Wells Fargo advising that they needed to review my information, and I needed to provide this information on or before XX/XX/year>. If this information was not provided by date before mentioned my account could restricted or closed. 
I visited my branch on XX/XX/year> with the information requested and presented to Wells Fargo representative : XXXX XXXX and Branch Manager : XXXX XXXX. They bank personnel filled out a form, of which I received a copy and also made a copy of my XXXX Drivers license, the XXXX XXXX XXXX XXXX and my social security card. XX/XX/year> I was purchasing at the store and both my debit card and my credit card with Wells Fargo were denied at time of purchase. Immediately after the embarrassment I endured I decided to go to the branch at Wells Fargo again and ask why my cards were restricted. 
The bank informed me that not only my cards were restricted but also my account funds. I requested to know since when my account was restricted because I was concerned that I had made payments of bills as my car, my car insurance my medical insurance and my cellular phone in the prior week. The representative informed me the account had been restricted on XX/XX/year>. The branch had no reason for this decision in the part of Wells Fargo. I also contacted their general number and the representative told me they had not had a chance to review document yet due to staff shortage and the many letters they had to send to their XXXX XXXX customers. Today the Bank sent me an email telling me it could take up to 10 business days to release my account from the day I made the complaint on XX/XX/year>. This is unacceptable and I feel I have been discriminated for the fact of being born 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 2024-12-06 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: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-06 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-06 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: CO

Complaint narrative:
I saw an account on my credit report from XXXX. This is not mine. I was never notified with a collection notice from this company or given a chance to dispute this. I was going to send them a validation letter but the company has not provided TransUnion with a mailing address or a phone number. This violates FCRA section 623. The FCRA prohibits furnishers from providing information to a consumer reporting agency that they know, or consciously avoid knowing is accurate. ALSO. they have violated FDCPA because at no point have they spoken to me in person or by phone. They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication either.

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 2024-12-06 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: AZ

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. Fraudulent accounts and inquiries have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXXXXXX XXXX - XXXX XXXX XX/XX/XXXX - {$720.00} Fraudulent Inquiry : 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Name : XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXXXXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX Employers : XXXX XXXX : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$4700.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$930.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXI ) XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$450.00XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$880.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$460.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$930.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$460.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$150.00} Late Payment XXXX XXXX XX/XX/XXXX {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My house burned down. I have called several times. About sending my check to payoff the loan. After about a month they sent me the papers to sign and send back. I got them the monday before XXXX and faxed them the next day. I sent the check the Monday before XXXX. The signed for it Wednesday before XXXXXXXX. Now they say the don't have. I have called a half a dozen times and get the same run around. I believe they are just trying to make money from me by keep charging interest. They say the will call me an update. That never happens. They get less than a quarter of the check. I get the rest. I would tell people not to use PHH Mortgage. Check for {$450000.00}. I owe the {$91000.00}. The rest is mine. This is wrong. I have had problems with PHH since they bought my mortgage. My mortgage should have been paid off in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
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 account listed without my expressed written consent.

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 2024-12-06 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: MS

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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-12-06 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: SC

Complaint narrative:
I am writing to request that the following accounts and inquiry be blocked and deleted from my credit report, as I am a victim of a data breach. These accounts were opened or used without my consent, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have them removed from my credit file. 
The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$730.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$520.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$630.00} XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: LA

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 XX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have complained multiple times against this unjust false reporting which has ruined my credit as well as my cosigner 's but it always comes back unilaterally. Actually no one bothers to look at the papers or look into the problem. Not even tell me what is going on with the complaint. And this time I am complaining against CFPB itself for failing to protect my rights against the stalwarts.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am victim of identity theft. I don't know there to start, because the situation is really hard. It was XX/XX/year> once I noticed fraudulent account from XXXX on my credit reports. I called to XXXX and told that I have never applied for any credit with them and also noticed that my mailbox is broken. I asked them to block credit under my name, because it does not belong to me. They started investigation, closed the fraudulent account and told that they are going remove fraudulent account from my name. Problem is the fraudulent account is still reporting on my credit reports, even it is good standing, but it is inaccurate. Please remove XXXX fraudulent account from my XXXX, TRANSUNION and XXXX credit reports.

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 2024-12-06 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:
" 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 response to consumer: Closed with non-monetary relief