vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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 notice unauthorized accounts on my credit reports in XX/XX/year>, indicating misuse of my social security number for personal gain. The Accounts are : XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) I disputed these accounts with both Experian and XXXX ( the data furnisher ) to no avail. To cover all bases, I sent a letter of validation to XXXX  certified mail asking them to validate the accounts in question with no response. Because I knew that Experian would come back with XXXX stating that the Accounts was verified. And I know that they weren't. I requested that Experian block this information in my credit report due to identity theft and they refused. According to FCRA Section 605b, it is ILLEGAL to report information on my credit report without my permission. So PLEASE remove these accounts! The FCRA, under 15 U.S.C. 1681, mandates that consumer reporting agencies ( CRAs ) implement reasonable procedures to meet the commercial needs for consumer credit information in a manner that is fair and equitable to the consumer, with respect to confidentiality, accuracy, and relevance. They are also in violation of FCRA 15 U.S.C. 1681b permissible purpose. I never gave neither Experian nor XXXX written instructions to furnish any information on my consumer report. So please do your due diligence. I have attached my ID, a bill for proof of Residence over 2 years, and FTC 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 2024-06-10 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request an investigation into a collection account that appears on my credit report, which I am unaware of and believe may be erroneous. The details of the account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Sold to : Portfolio Recovery Account Number : XXXX To the best of my knowledge, I have no outstanding debts with XXXX XXXX, and XXXX have not been notified of any such debt. Therefore, I am concerned that this collection may have been reported in error, or it may be a case of identity theft or fraud. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I kindly request that the CFPB investigate this matter promptly. Please verify the legitimacy of this collection account and provide me with all relevant information, including the original creditor and any documentation that proves the validity of this debt. 

Enclosed with this letter, you will find copies of my identification and a recent credit report showing the disputed account. I would appreciate your prompt attention to this matter and look forward to your response within 30 days as stipulated by the FCRA. 

Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has randomly closed my XXXX Accounts ( XXXX different accounts ), for XXXX months now every week they change my closure dates. If, it is subject to close on the XXXX for example I call on the XXXX they say closure date has changed. Bank of America has been playing this game well over XXXX  months now. There is substantial amount of money they are holding " using '' for their advantage by not closing out my account and sending my rightful funds. They, have blocked any and every access to all accounts and can not provide me statements, letter or reason for change of dates or why things are still in review. They have caused grave damage to my business and personal health. Bank America still has not closed the accounts and is still moving dates on 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 monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please add this new issue to compliant XXXX CFPB I got this issue email saying this Lost or stolen items associated with your Wells Fargo account XXXX Wells Fargo Online XXXX Hide details To : XXXX Date : XX/XX/year>, XXXX Wells Fargo Home Thank you for calling Wells Fargo to report the lost or stolen items associated with your WELLS FARGO XXXX CHECKING account number ending in XXXX. As discussed, we placed a lost/stolen restraint on your account for XXXX calendar days from the date you first reported the lost or stolen item ( XXXX ). After this restraint expires, you may be responsible for any unauthorized transactions on your account. Therefore, we recommend that you close your existing account and open a new account. 

As stated on our call, we are unable to open your new account over the phone. Please visit the nearest Wells Fargo branch as soon as possible to open your new account. If you are enrolled in Wells Fargo Online banking, we recommend that you change your username and password. 

If you need assistance finding a Wells Fargo branch, use our interactive Locator or call us at XXXX ( XXXX ). Phone Bankers are available to assist you 24 hours a day, 7 days a week. 

To learn more about how we use and protect customer information, view our privacy notice. 

Thank you. 

Wells Fargo Phone Bank Please do not reply to this email directly. 
To view and print the form, you will need XXXX XXXX software, which you can download for free. Wells Fargo does not control the website that is linked. Wells Fargo has provided this link for your convenience but is not responsible for the content, links, privacy policy, or security policy of this website. 
XXXX XXXX XXXX wellsfargo.com | Security Center | Contact Us XXXX I have called in to remove it and the agent told me it was removed and when I called in to verify it multiple times all the agents told me it was removed and no hold was on my account I want yall to verify it was removed or not if not removed it and send me proof when it is removed contact me at XXXX and contact me at XXXX etc

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 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I deposited {$190000.00} into my business checking account from sale of real property. The check was from a XXXX escrow account. Bank of America placed a hold until XX/XX/XXXX. 

On XX/XX/XXXX I called to inquire about getting the hood lifted sooner. The Bank of America XXXX escalated me several levels and I was eventually told that Bank of America had placed a hold on its end at its discretion. They also advised the hold was even extended longer to XX/XX/XXXX based on information they received but would not tell me what this information was. I inquired the reason for the hold and was told there is no one at Bank of America I can speak to by phone who will have the information regarding the reason for the hold. After expressing that someone must know and demanding to speak with someone, I was given an email which I wrote to and was then ignored with no return response. 


I believe this may be a practice of Bank of America. I suspect they may be placing arbitrarily long holds on large deposits to bolster their liquidity. This amounts to helping themselves to a XXXX interest short term loan of my funds.

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
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: MI

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-06-10 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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 non-monetary relief
Consumer complaint received 2024-06-11 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: IN

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-06-11 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: IN

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-06-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report the account XXXX Account # XXXX incorrectly. The consumer agencies do not have access to my private financial records so there is no lawful way they verified these late payments. Remove these payment immediately or I will sue and ask that you place the financial records into evidence for my inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
XXXX, Experian, & XXXX continue to report the account XXXX XXXX XXXX XXXX incorrectly. The consumer agencies do not have access to my private financial records so there is no lawful way they verified these late payments. Remove these payment immediately or I will sue and ask that you place the financial records into evidence for my inspection.

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 2024-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-06-10 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: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-06-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report the account XXXX XXXX XXXX XXXX XXXX incorrectly. This XXXX XXXX account is reporting as a charge off but that is incorrect. Neither consumer agency has provided me with any evidence that they did a reasonable investigation to prove this account was indeed charged off. Financial institutions are insured by the FDIC so they do not take a loss and the contract is a security which bankrolls their business operations including the consumer agencies because they are paid to furnish deceptive information. Each consumer agency is listed in the XXXX XXXX XXXX XXXX because they securitize consumer information but they do not suppose to have our private financial information. Unless each consumer agency proves the information they are furnishing is accurate I will sue,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
XXXX, Experian, & XXXX continue to report the account XXXX XXXX XXXX XXXX XXXX incorrectly. This XXXX XXXX account is reporting as a charge off but that is incorrect. Neither consumer agency has provided me with any evidence that they did a reasonable investigation to prove this account was indeed charged off. Financial institutions are insured by the FDIC so they do not take a loss and the contract is a security which bankrolls their business operations including the consumer agencies because they are paid to furnish deceptive information. Each consumer agency is listed in the XXXX XXXX XXXX XXXX because they securitize consumer information but they do not suppose to have our private financial information. Unless each consumer agency proves the information they are furnishing is accurate I will sue,

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 2024-06-10 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:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Original Creditor : XXXX XXXX , has violated my rights.

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 an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ). Section states no consumer reporting agency may take 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 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Financial Services
State: FL

Complaint narrative:
Cfs XXXX XXXX  is violating my rights they are adding false balance on my credit of an acct that is charged off! They are reporting false and inaccurate payment history. And balance

Company response to consumer: Closed with explanation