vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer DOB : XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : Inquiries From : XXXX XXXX XXXX on XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX : XXXX XXXX XXXX on XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY on XXXX : XXXX XXXX XXXX on XXXX : XXXX XXXXXXXX XXXX on XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a deposit in my back account late XXXX XX/XX/XXXX. I dropped my debit card outside apparently after the deposit. Later that evening when I went to make an online purchase with XXXX my debit card got declined. Once, I received that information I logged into my account and saw over XXXX dollars was used from my account. I immediately contacted my bank and asked why wasn't I notified as fraud due to a large purchase. The amount spent is way out of normal activity for me. I was never alerted to attempt to stop the purchase. Once I opened the claim about 4 days later XX/XX/XXXX I was informed my claim had already had a decision. The decision was that my phone was used on digital wallet to make the purchase. This was absolutely impossible. The card was used at the galleria and I had my phone not even close to the area. I've requested that the IP address from the phone be checked. I've yet to receive a response or any feedback from Wells Fargo.

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 2024-11-14 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. As a result, the following fraudulent accounts have appeared on my credit report without my authorization. I request that these accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2500.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$750.00}

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 2024-11-14 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: NY

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 confidentially under 15 USC 1681 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 15 U.S.C 1681 section 602 A.States I have the rights 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 1681 ( 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 Knows or has reasonable causes 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am so very angry at XXXX- they are reporting invalid credit inquiries XXXX of them on XX/XX/year> from XXXX XXXX and XXXX. These are not from me and in fact from a business XXXX XXXX the XXXX XXXX and should NOT BE LISTED ON MY PERSONAL CREDIT REPORT FOR A BUSINESS. I have called XXXX and they refuse to understand or acknowledge or fix this. Therefore I filed the attached fraud report with the FTC! It is FTC report # XXXX. These XXXX companies should be fined for allowing invalid records on personal credit reports. I will be suing them for {$1000.00} per inquiry along with the other agencies Transunion and XXXX if these aren't removed by XX/XX/year> as this impacts my existing credit and has already impacted my future to complete my school.

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 2024-11-14 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:
I am so very angry at XXXX- they are reporting invalid credit inquiries XXXX of them on XX/XX/year> from XXXX XXXX and XXXX. These are not from me and in fact from a business XXXX XXXX the XXXX XXXX and should NOT BE LISTED ON MY PERSONAL CREDIT REPORT FOR A BUSINESS. I have called XXXX and they refuse to understand or acknowledge or fix this. Therefore I filed the attached fraud report with the FTC! It is FTC report # XXXX. These XXXX companies should be fined for allowing invalid records on personal credit reports. I will be suing them for {$1000.00} per inquiry along with the other agencies XXXX and Equifax if these aren't removed by XX/XX/year> as this impacts my existing credit and has already impacted my future to complete my school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have applied for the XXXX plan in XXXX of XXXX. I got approved and was told I would have XXXX dollar a month payments for a year. Now the XXXX plan is not valid and under litigation I believe, and they spoke to me on the phone and informed me to ignore all the stuff that says I will have a payment due because my account would be placed in forbearance until the situation was resolved. That call was on XX/XX/XXXX. Now on date XX/XX/XXXX I spoke to a representative at XXXX in the XXXX  and he told me that my application was never processed, when I had gotten notification that it was, and that my payments would be XXXX a month for a year. He also told me I was currently in an administrative forebearance, but when asked for documentation he put me on another hold for XXXX minutes. I still have a dropped credit score from their mistake, and can not get ahold of anyone that can solve my problem and send documentation to my email of all of these interactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NJ

Complaint narrative:
I was a victim of identity theft and My information was compromised in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: FORD MOTOR CREDIT CO.

Complaint narrative:
I previously submitted a report to address inaccuracies in the information sent to me by the credit bureau via email. I am reaching out formally to dispute an error Ive noticed on my credit card statement. Ive also requested an additional investigation, but it appears this issue was overlooked. I would appreciate your prompt attention to this matter and kindly request a confirmation receipt to keep me informed of any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CCS Financial Services, Inc.

Complaint narrative:
I previously submitted a report to address inaccuracies in the information sent to me by the credit bureau via email. I am reaching out formally to dispute an error Ive noticed on my credit card statement. Ive also requested an additional investigation, but it appears this issue was overlooked. I would appreciate your prompt attention to this matter and kindly request a confirmation receipt to keep me informed of any updates.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. As a result, the following fraudulent accounts have appeared on my credit report without my authorization. I request that these accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$2500.00} XXXX. XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: MS

Complaint narrative:
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-11-14 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: U.S. BANCORP

Complaint narrative:
I recently submitted a report aiming to clarify incorrect information sent by the credit bureau to my email. I am writing to dispute an error on my credit card statement formally. Although I requested additional investigation into the matter, it seems to have been overlooked. Please provide prompt attention to this dispute and send a confirmation receipt to keep me informed of progress

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I have reached out to the debt collection agency Sunrise Credit Services in regard to the account XXXX and them attempting to collect a debt that is not mine. I have requested proof of ownership as well as a signed purchase agreement over four months ago and they have yet to provide me with the requested information. They are reporting a debt that is mine and that is the result of fraud and identity theft. I have no knowledge of this referenced account, and it should be removed immediately.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Dispute Resolution Department Subject : Dispute of Unauthorized Credit Card Transactions and Reporting Account Number XXXX Dear Bank of America Dispute Resolution Team, I am writing to formally dispute the reporting of unauthorized charges on my credit card account with you. My credit card was stolen and subsequently used without my authorization. I promptly reported this theft to the XXXX XXXX Police Department, and a police report was filed under Report XXXX XXXX. A copy of this police report has been previously sent to your department. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have inaccurate or fraudulent information removed from my credit report. Despite providing you with the necessary documentation, my account continues to be reported with the disputed charges. This ongoing reporting is a violation of the FCRA, as well as a misrepresentation of my credit history. 
Please consider this letter a formal demand to immediately cease reporting these unauthorized charges on my credit report. Additionally, I request that you provide written confirmation once these inaccuracies have been removed. If this matter is not resolved promptly, I may seek further recourse as permitted under federal law. 
Thank you for your prompt attention to this urgent matter. I look forward to a swift XXXX XXXX social Security 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