vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm a victim of identity theft. An identity thief exploited my personal information without my authorization to open an account with XXXX XXXX. This is not my debt. I've attached confirmation of my identification and a copy of my FTC identification Theft Report. Also a Police Report. 
In compliance with the Fair Debt Collection Practices Act, I request that you halt collection proceedings against me and stop communication with me about this debt, except as permitted by the Fair Credit Reporting Act. I further ask that you notify XXXXXXXX XXXXand explain that the debt is the product of identity theft. 
I've enclosed a copy of the Consumer Financial Protection Bureau 's Notice to Information Furnishers. It clarifies your obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires debt collectors to provide an identity theft victim with account-related documentation if the victim requests them. Please send me copies of all records associated with the account, including : Account applications are submitted on paper, online, or via phone.

Account statement or invoice Records of payment or charge slips Delivery addresses associated with the account. 
Records of phone numbers used to activate or access the account. 
Signatures for applications and accounts Investigators report. 
Please send me a letter describing what you did to : Inform XXXXXXXX XXXXthat the debt is due to identity theft. 
Stop the collection proceedings against me. 
Stop sending information about the debt to credit reporting agencies. 
Please provide me with the records I seek. 
I appreciate your cooperation. 
Sincerely, XXXX XXXX XXXX Enclosures : POLICE REPORT. 
Identity Theft Report. 
CREDIT REPORT. 
For proof of identity, go to the CFPB 's Notice to Information Furnishers [ PDF ].

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: NY

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 non-monetary relief
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: AZ

Complaint narrative:
This letter writing back and forth stuff and trying to get these inaccurate accounts fixed is really starting to bother me emotionally. I noticed that you did not correct my problem with the account listed below. I advised you that I would be filing a complaint with the FTC if the problem was not fixed. 

In your last letter, you told me that I needed to contact the furnisher regarding the verified account. Well I did just that. They never responded to my request. From my understanding, if the furnisher cant verify that an item is being reported with 100 % accuracy, then they cant report it to the credit bureau. Because of that, this item must be removed at once. 

Creditor : XXXX XXXX Account : XXXX Reason : Payment Never Late on account Instruction : Remove the reported late payment Creditor : XXXX XXXX XXXX Account : XXXX Reason : Payment Never Late on account Instruction : Remove the reported late payment I have researched some other agencies that protect consumers against inaccurate reporting, and these agencies websites state that I can file complaints if the credit bureaus do not follow the rules. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause emotional stress. 

Please fix this problem or I will have to file complaints with the following agencies : Attorney general in your state and the Consumer Financial Protection Bureau. 

I will be awaiting your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: AZ

Complaint narrative:
This letter writing back and forth stuff and trying to get these inaccurate accounts fixed is really starting to bother me emotionally. I noticed that you did not correct my problem with the account listed below. I advised you that I would be filing a complaint with the FTC if the problem was not fixed. 

In your last letter, you told me that I needed to contact the furnisher regarding the verified account. Well I did just that. They never responded to my request. From my understanding, if the furnisher cant verify that an item is being reported with 100 % accuracy, then they cant report it to the credit bureau. Because of that, this item must be removed at once. 

Creditor : XXXX XXXX Account : XXXX Reason : Payment Never Late on account Instruction : Remove the reported late payment Creditor : XXXX XXXX XXXX Account : XXXX Reason : Payment Never Late on account Instruction : Remove the reported late payment I have researched some other agencies that protect consumers against inaccurate reporting, and these agencies websites state that I can file complaints if the credit bureaus do not follow the rules. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause emotional stress. 

Please fix this problem or I will have to file complaints with the following agencies : Attorney general in your state and the Consumer Financial Protection Bureau. 

I will be awaiting your prompt response.

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 2024-09-25 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).

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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited funds from XXXX account into my fidelity account, I was later informed that my account was closed and my funds were unavailable for 16 days to investigate my deposit due to me having no activity in the account for the last 45 days. When I asked why accept the deposit and then close my account. The rep told me they have the right to close the account at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

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 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 non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Penn Credit Corporation
State: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : PENN CREDIT CORPORAT Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm a victim of identity theft. An identity thief exploited my personal information without my authorization to open an account with XXXX XXXX. This is not my debt. I've attached confirmation of my identification and a copy of my FTC identification Theft Report. Also a Police Report. 
In compliance with the Fair Debt Collection Practices Act, I request that you halt collection proceedings against me and stop communication with me about this debt, except as permitted by the Fair Credit Reporting Act. I further ask that you notify XXXX XXXXand explain that the debt is the product of identity theft. 
I've enclosed a copy of the Consumer Financial Protection Bureau 's Notice to Information Furnishers. It clarifies your obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires debt collectors to provide an identity theft victim with account-related documentation if the victim requests them. Please send me copies of all records associated with the account, including : Account applications are submitted on paper, online, or via phone. 
Account statement or invoice Records of payment or charge slips Delivery addresses associated with the account.

Records of phone numbers used to activate or access the account. 
Signatures for applications and accounts Investigators report. 
Please send me a letter describing what you did to : Inform XXXX XXXXthat the debt is due to identity theft. 
Stop the collection proceedings against me. 
Stop sending information about the debt to credit reporting agencies. 
Please provide me with the records I seek. 
I appreciate your cooperation. 
Sincerely, XXXX XXXX XXXX  Enclosures : POLICE REPORT. 
Identity Theft Report.

CREDIT REPORT.

For proof of identity, go to the CFPB 's Notice to Information Furnishers [ PDF ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
This is regarding some unauthorized ACH transactions in my business checking account. The first occurred on XX/XX/XXXX and which Wells Fargo was made aware of on XX/XX/XXXX. After notifying the bank, I didnt think much of it and thought theyd reimburse me but started monitoring my account more closely. The second occurred on XX/XX/XXXX and I notified the bank on XX/XX/XXXX. Both of these transactions were made with a merchant Ive never done business with, XXXX. The bank told me to try and get my money back from XXXX. I contacted XXXX  and was advised to have the bank reverse the ACH charges. I asked multiple times, thinking it would be a straightforward process and was denied. 

In the following several weeks, I discovered more unauthorized ACH charges. In total, in about XXXX unauthorized charges, there was XXXX in ACH fraud. When I notified the bank, they reversed all the subsequent charges. 

I have asked the bank to reverse the first XXXX charges repeatedly, asked for supervisors to review the decision but to no avail. I feel that had the bank taken my first XXXX complaints about the first XXXX unauthorized ACH transections seriously, the rest would not have happened. I also told the bank that I rarely use any business checks for any transactions. These unauthorized ACH transactions occurred after I had made a cash deposit in a branch I dont usually use, while visiting out of state.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was processed before the due date, as shown in the attached bank statement. This error in reporting must be corrected. 
Clerical Error : There may have been a clerical error in how the payment was recorded. The payment confirmation from my records shows that the payment was made on time and should not have been reported as late.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-25 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: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  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 2024-09-25 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX- Account Number : XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX  XX/XX/year>

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 2024-09-25 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX- Account Number : XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX  XX/XX/year>

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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX fraudulent charges occurred on a checking account my husband and I have with Wells Fargo XXXX I completed all the necessary steps and received a provisional credit from Wells Fargo amounting in {$2000.00} in early XX/XX/2024. On the night of XXXX XXXX I discovered that Wells Fargo rescinded the provisional credit of {$2000.00} with absolutely XXXX warning, no text alert, phone call or email. My account was left with approximately {$11.00}. The following day a very vague letter arrived via USPS, but it was after the fact. To this day, I am still fighting with Wells Fargo over the fraudulent charges, but wanted to file this complaint because of the way this horrific fraud has been handled. I feel with todays technology my husband and I should have received a fair warning that such a large amount would be taken out of our account. I get petty notifications for everything else, but not this. (?! ) Wells Fargo should be held accountable, and I dont know how that works out, but what they did and are continuing to do to my husband and I is completely unacceptable, stressful and frightening. We have XXXX XXXX kids to take care of and {$2000.00} means a lot to our family. Additionally, fraud occurred on my personal Wells Fargo credit card simultaneously as the personal checking fraud, but Wells Fargo took care of and honored the credit card fraud with XXXX issues ( thus far ). We are having a difficult time comprehending how fraud that occurred on the same night, at the same time, and one has been taken care of, but the other they are giving us an extremely hard time. Wells Fargo investigation process is baffling.

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 2024-09-25 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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