vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of the following account on my credit file. Upon reviewing my credit report, I found significant discrepancies across the credit bureaus, which may indicate non-compliance with the Metro 2 format and XXXX  guidelines. Ive previously disputed and was not giving a proper investigation XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of the following account on my credit file. Upon reviewing my credit report, I found significant discrepancies across the credit bureaus, which may indicate non-compliance with the Metro 2 format and CDIA guidelines. Ive previously disputed and was not giving a proper investigation XXXX Account 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 2025-01-11 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: NC

Complaint narrative:
There is information that on my consumer report that is a result of identity thett I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
There is information that on my consumer report that is a result of identity thett I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: SC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: MD

Complaint narrative:
Experian continues to report account on my credit report after failing to provide validation of the debt owed. A full investigation was not completed and follow up letters were ignored. This violates my rights as a consumer.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of the following account information reported on my credit file. Upon review, I identified discrepancies that require immediate investigation and correction to comply with Metro 2 and XXXX guidelines. Please investigate and verify the accuracy of the following account details :

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This phone number, XXXX XXXX, was provided from physical mail. Its allegedly from Best Buy Credit Services ( Citi ) but I looked it up online and it was false. Someone was also scammed from this number, claiming it reconed them for 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 2025-01-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I do not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off my credit report in four days.

These fraudulent accounts are not only damaging my credit but also causing me a significant amount of stress. I have no connection to these accounts and urgently request the immediate remocal to prevent further harm to my financial well-being.

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 2025-01-11 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: CA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I do not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off my credit report in four days.

These fraudulent accounts are not only damaging my credit but also causing me a significant amount of stress. I have no connection to these accounts and urgently request the immediate remocal to prevent further harm to my financial well-being.

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 2025-01-12 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: DE

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-01-11 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/year> Consumer # XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX ID : Drivers License DL # XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers. 
Bank : XXXX XXXX XXXX XXXX. ( XXXX ) Account # XXXX Routing # XXXX Bank : XXXX ( XXXX : unknown ) Account # XXXX Routing # XXXX Bank : XXXX XXXX ( opened : unknown ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX. ( XXXX ) Account # XXXX Routing # XXXX I am a victim of Identity Theft, and I dont recognize these accounts on my report. I am requesting the following information be deleted from my Early Warning consumer report immediately. I have attached a copy of my Identity Theft Report to this request. 

Thank you in advance! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-01-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX I did not take out this loan, someone used my personal information and obtained my info. The company where loan was issued from closed down due to unprofessional practices, XXXX reaching out to several companies, and no one is willing to help me get this remove or review

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights.

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.

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 2025-01-11 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:
Deposited a check XX/XX/year> at the XXXX XXXX 

Went in the bank branch at Wells Fargo with the receipt and asked when the fund would be made available and the bank teller, indicated tomorrow, the next day.

Also, called Wells Fargo to confirm and banker confirmed that check would be available next day.

Later, received an email stating the deposit was not accepted and that the check will be mailed back to me So, in essence, I received two different stories regarding the same transaction.

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 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
In XX/XX/year> while using XXXX I started getting ads about XXXX XXXX about high profit-making investments, the scammers started urging me to join a class via XXXX, register with my government id, and gain financial freedom, this was done by way of trickery, and/or manipulation using advanced technological systems. I never suspected that these groups were fraudsters because their presentations appeared genuine. They requested payments in cryptocurrency to be paid into the account of the company, I used XXXX XXXX, Coinbase, and XXXX for my transactions. I never got a warning or fraud alert from any of these institutions, so I felt they were a legitimate group. After payments were made, they ran trades that would yield very high profits and one could see their currency value increasing, plus a lot of people in the XXXX class gave testimonies on how they were making huge profits and thanked the leaders of the group for what they were doing, but soon strange losses in transactions begin to happen and the total capital and profit invested are lost completely, they use their manipulation to explain why the money was lost and promise to help in recovering total loss plus make much more profit. They still encourage one to invest a good amount to recover the lost funds faster, I never knew I was being scammed and I kept losing money, I lost a total of {$200000.00} which includes some borrowed money. Their groups namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unfortunately, the more I reinvested following their manipulations to recover my lost funds, The more I continued to find myself in a worse position until my eyes were opened by a family member with whom I narrated my ordeal.I later got a company that claimed to recover lost XXXX XXXX XXXX XXXX XXXX XXXX, but they only took advantage of my situation, after completing the installments to help trace my lost funds, they disappeared, and I could no longer reach them via phone or email. I have been able to work with another company ( Payback ) to trace where the funds have been channeled to and have tried to reach out to Coinbase to recall the funds but this has been abortive as Coinbase says crypto transactions that are confirmed are irreversible. I am bringing this case here because it has become unbearable to suffer this loss without any form of help from the institutions where these funds were made available to scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
I don't understand if those items were disputed and deleted from my credit report why they're still showing on my credit report as a negative item, this is really unfair to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX All of them is showing as negative on my credit report which is incorrect.

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Date of complaint is XX/XX/year> ; Wells Fargo reports abuse of account in my name on a checking account. This information is inaccurate. This was not me. 

According to FCRA Section 605B, it is illegal to report any info on my credit report without my permission.

Wells Fargo never provided me with any documentation regarding this account in order to clear up any debt. This information is inaccurate.

Please remove this from 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 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
In XX/XX/2023 while using XXXX I started getting ads about XXXX XXXX about high profit-making investments, the scammers started urging me to join a class via XXXX, register with my government id, and gain financial freedom, this was done by way of trickery, and/or manipulation using advanced technological systems. I never suspected that these groups were fraudsters because their presentations appeared genuine. They requested payments in cryptocurrency to be paid into the account of the company, I used XXXX XXXX, XXXX, and Robinhood for my transactions. I never got a warning or fraud alert from any of these institutions, so I felt they were a legitimate group. After payments were made, they ran trades that would yield very high profits and one could see their currency value increasing, plus a lot of people in the XXXX class gave testimonies on how they were making huge profits and thanked the leaders of the group for what they were doing, but soon strange losses in transactions begin to happen and the total capital and profit invested are lost completely, they use their manipulation to explain why the money was lost and promise to help in recovering total loss plus make much more profit. They still encourage one to invest a good amount to recover the lost funds faster, I never knew I was being scammed and I kept losing money, I lost a total of {$200000.00} which includes some borrowed money. Their groups namely XXXX XXXX with the domain XXXX XXXXXXXX platform with the XXXX XXXX XXXX XXXX with the domain XXXX. Unfortunately, the more I reinvested following their manipulations to recover my lost funds, The more I continued to find myself in a worse position until my eyes were opened by a family member with whom I narrated my ordeal.I later got a company that claimed to recover lost XXXX ( XXXX XXXX XXXX  ), but they only took advantage of my situation, after completing the installments to help trace my lost funds, they disappeared, and I could no longer reach them via phone or email. I have been able to work with another company ( Payback ) to trace where the funds have been channeled to and have tried to reach out to Robinhood to recall the funds but this has been abortive as Robinhood initially restricted my account and requested verification 3 different times and said scams are ineligible for reimbursement. I am bringing this case here because it has become unbearable to suffer this loss without any form of help from the institutions where these funds were made available to scammers.

Company response to consumer: Closed with explanation