vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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:
There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The inquiries that are fraudulent are as follows : XXXX inquriy from XX/XX/ ; XXXX XXXX inquiry from XX/XX/ and then there is XXXX inquiry on XX/XX/XXXX 



The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
CREDIT CORP SOLUTIONS attempting to collect debt not owed to company. I have attempted to contact this company numerous times via phone, letter and still refuse to remove debt from my credit reports. This company is stating I owe them {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached. I am urging you to take action on these inaccurate and fraudulent accounts on 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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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 pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I have fraudulent inquiries on my credit report that I don't recognize, these inquiries need to be removed asap due to fraud. 

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 XXXX XXXX XXXX XXXX XXXX XXXX these inquires are fraudulent

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 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2022, Wells Fargo closed all my accounts including checking, savings, and credit card. In addition, WF also made a cash advance in excess of {$10000.00} to cover the overdraft protection of the checking account.

The overdraft was caused by WF accepting a deposit of {$48000.00} and subsequent wire transfers that were made based on WF accepting such a high dollar amount without putting the deposit on hold for any time. The deposit was based on a checking account made from a bogus XXXX XXXX  account made in my name and without my permission by XXXX XXXX XXXX from XXXX. I wrongfully assumed that I was merely added as a user for the phony XXXX XXXX  account. As of this date, Wells Fargo has not taken any responsibility for accepting such a large deposit without first putting it on hold. In addition, WF is contacting me about a settlement of a chargeoff of {$38000.00} which is for the {$48000.00} minus {$10000.00} that WF took from my checking, savings account, and a cash advance from my WF credit card. 

Recently, I have accepted that I am a victim of a financial scam and have filed a report with the XXXX XXXX Police Department on XX/XX/XXXX, and am awaiting to be contacted by the detective in the financial fraud department. 

I also wrote a letter and sent it by USPO to XXXX XXXX, Financial Fraud Manager for WF. Any previous contact with WF has not been satisfactory to this very day.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
There were over 50 Credit Inquiries on my credit report. I wrote to the 3 Credit Bureaus twice to dispute the information and they have refused to comply with my demand to show proof. I also sent letters to all of the companies with dates to send proof and I have not heard anything from the companies in regards to removal.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There were over 50 Credit Inquiries on my credit report. I wrote to the 3 Credit Bureaus twice to dispute the information and they have refused to comply with my demand to show proof. I also sent letters to all of the companies with dates to send proof and I have not heard anything from the companies in regards to removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
The following accounts are not mine, Transuinion is reporting 2 different social security numbers, been trying for a year calling them and they do nothing. 
XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXXXXXX XXXX {$630.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$79.00} 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 {$300000.00} XX/XX/2019 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 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 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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
The following accounts are not mine, Transuinion is reporting 2 different social security numbers, been trying for a year calling them and they do nothing. 
XXXX  XXXX XXXX {$5900.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$6700.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX OF 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 {$300000.00} XX/XX/2019 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 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 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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiples disputes regarding information Experian has wrongfully reported on my consumer report. It has been more than 30 days and have yet to receive any response or update. Please find the documents attached as I have taken the necessary steps advised to fix this urgent issue.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an account reporting on my all three of my credit reports from XXXX XXXX, I am a victim of identity theft, I disputed the charge with XXXX and the account was reported again as a valid debt, I would like to know what information was used to show that this debt is valid, I want validation of the debt showing that it belongs to me, I never had an account with XXXX, I need the original application and proof that I opened this account. I do intend to file a suit if this information isn't corrected and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am writing to file a complaint regarding inaccurate reporting on my consumer report. Attached it my disputes to your company and my power of attorney to assure my disputes are processed without any stalling methods from your company. Since I have not received my initial disputes back from you in a timely manner I expect these to be processed and finished within 15 days of reinvestigation.

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 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XXXX XX/XX/2023, I notified Truist Bank security team that I had a fraudulent wire transfer sent from my bank to their bank. I tried to give them the account information. I did not ask for account details I requested they flag the transaction until they could speak with my bank. They REFUSED. They would not even collect their account number from me that the fraudulent wire was sent to. I requested to speak to a manager and was put on hold in excess of 20 mins. Then the call dropped. I called multiple times to request swift resolution/action before the funds could leave their bank. They REFUSED and kept redirecting me to my bank. There are zero after hours procedures/protections in place for consumers when these activities take place within these banking institutions Truist Bank and XXXX. Im disappointed with the level of disconnect and follow through on a bank wire 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 explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I was charged on XX/XX/XXXX  for a purchase that I did not make at XXXX in XXXX, Connecticut. I called the credit card company to file a dispute, they sent me a letter asking me to write a letter and send proof to them that I did not make this charge. I was dealing with Comenity Bank which handles XXXX XXXX. They never responded to me after I sent the letter and proof. I called them and was told by customer service that my letter was received on XX/XX/. I again waited for a response, I never got a response. I called again on XX/XX/XXXX  and again the dispute was not resolved. I called again on XX/XX/XXXX  and I was told that the case was closed. I have never received any response from Comenity Bank. I provided them with proof from the manager at XXXX XXXX that it was not me who made that charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: NJ

Complaint narrative:
I entered into an agreement with my auto insurance in XX/XX/XXXX to have payments automatically deducted from my checking account on the XXXX of each month. However, XXXX attempted to deduct two payments instead of one ACH on XX/XX/XXXX. The first payment in the amount of {$340.00} was named a merchant ACH payment on one XX/XX/XXXX and money was deducted from my balance and showed as pending. Since the miney was dedected i assumed it was paid. However Adp/Wisely stated the company never collected the funds. Money on hold was never put back. Funds were never paid and my family policy was cancelled. The money was held for 5 days, never paid or put back. Adp sais A second payment was later denied when funds were in the account. The bank stated the reason that both deposits were denied was because they both came through on the same day. This was not the case however because the first payment came through on time the date of the agreement and contract sign was XX/XX/XXXX when it first appeared as a pending payment already included and to talk to, and from my balance in the amount of {$340.00}. The payment was named a corporate ACH payment. Ado put both payments thru on XX/XX/XXXX together. Neither were approved because it was requesting the amount of {$690.00} of {$340.00} on XX/XX/XXXX four days after the agreed upon ACH withdrawal date. I was at school across the country and did not receive notice of cancellation. However, in the state of New Jersey insurers are supposed to provide 30 days cancellation instead XXXX only provided 20 days cancellation never took a XXXX payment out, but took a XXXX payment out successfully on the correct date in the right amount of {$340.00}. XXXX XXXX refused to reinstate because they were aware a claim was being filed by s person who sideswiped me. Clearly XXXX XXXX should have taken out the payment in XXXX not waited until XXXX. I really dont understand these business practices and am disputing cancellation of this policy when my money was placed on hold on or about XX/XX/XXXX on my wisely account. I will have to file a dispute with the State of New Jersey Dept of Banking and insurance as well. 
Becauee ADP has not responded to my calls. The ach numer is attached below and will be uploaded. 


Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax are reporting different information and the credit scores are always extremely lower than the other two agencies. This is also a violation of the Fair Credit Report Act. Each credit reporting agency has a responsibility to report accurate information. Also, Equifax is reporting my actual monthly payments that I pay to several of the creditors. This is a violation of the Privacy Act of 1974. The payments are not matter of Public Record and should not be published as a part of the report. ( Please see attached ) In accordance with 15 USC 1692 C ( b ) without prior consent of the consumer, a debt collector MAY NOT communicate about the collection of a debt with any person other than the consumer, and by providing my credit information to anyone inquiring, other than the originator, which you have done, you are in violation. And the originator has this information therefore there is no reason for you to publish it.

My Credit Report has a lot of Promotional Inquires. My information is reported on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 15 USC 1681e states. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports lists under section 1681b of this title. ( Please see credit reports )

Company response to consumer: Closed with explanation