vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
I asked for debt validation. They did not validate the debt by saying they made unsuccessful attempts to reach me by mail. Where is the document proving I owe the debt. Where is the original contract lease along with itemized bill for the usurping of fees they are charging me. If they cant provide debt validation please promptly remove from my credit report. If anyone goes against what is lawfully required then further legal action including monetary damages will be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: OH

Complaint narrative:
These is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance Owed : {$440.00}, XXXX  XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$440.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to file a complaint regarding Wells Fargos inadequate response to my concerns about a missing deposit and an unauthorized withdrawal from my account, which involve significant sums of money and span multiple claims and case numbers. Additionally, the withdrawal slip doesnt have my name written out completely ; it only has the initials of my first name and my last name fully written out. 

Summary of Issues 1. Missing Deposit and Unauthorized Withdrawal : - Deposit Amount : {$17000.00} - Unauthorized Withdrawal : {$15000.00} Despite providing substantial evidence, including video footage of the deposit, Wells Fargo has repeatedly failed to address my concerns adequately. My claims have been dismissed without satisfactory resolution. 

Specifics of My Claims 1. Claim Number XXXX XXXX XXXX Claim Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Despite numerous follow-ups, Wells Fargo has not resolved the issue.

2. Misreported Transactions : - I reported the missing {$17000.00} deposit and unauthorized {$15000.00} withdrawal immediately.

- Wells Fargos response claims these issues were appropriately addressed on multiple occasions ( 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, without a satisfactory explanation or resolution. 

Case Numbers Involved - **Wells Fargo Case Numbers : XXXX, XXXX - CFPB Case Numbers : XXXX XXXXXXXX Additional Claims - Case Numbers : XXXX, XXXX, XXXX - Connections to CFPB : XXXX, XXXX Despite Wells Fargos repeated assertions that my concerns have been appropriately addressed, the core issues remain unresolved. My financial losses, trust breach, and continued distress highlight ongoing failures in Wells Fargo 's investigation and response process.

Requested Action 1. An immediate, thorough reinvestigation of my claims, with proper attention to provided evidence.

2. Adequate restitution for the missing deposit and unauthorized withdrawal.

3. Assurance that Wells Fargo will review and address any lapses in their claims handling processes to prevent future occurrences. 

Thank you for your assistance in this matter. I am committed to resolving these issues and ensuring Wells Fargo is held accountable for their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$0.00}

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 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cashapp XXXX XXXX Cashapp XXXX XXXXXXXX To preface, I am facing a sophisticated cyber attack shrouded in public corruption. I reported a fraudulent company & multi-million dollar scam to the FTC about 4 months ago and the group orchestrating the scam is preventing me from communicating with others by phone or text or internet. To circumvent this I've been forwarding traffic from a variety of domains to websites I've created with information about the situation. It's escalated to the U.S. military working with one of my cellular providers to monitor the traffic to and from one of my phones. IP addresses assigned to the Dept. of Defense ( a few times also the XXXX XXXX XXXX XXXX ) are always showing up for the source of my cellular data, but I am yet to speak with anyone about what's going on. 

Currently I am unable to spend money online using any bank or digital wallet, and I can not open a new bank account at any bank due to banks being unable to verify my identity after I enter my SSN. It seems as if I've been declared deceased and any use of my social security number is being refused. I recently moved to XXXX XXXX, Nevada from XXXX, IL without much warning and it's possible someone reported me missing, but I'm unsure how to find out. This also could be a tactic by the group of scammers to prevent a XXXX investigation in XXXX XXXX after I've been declared XXXX in XXXX. 

Here 's what's happened in the past week : 1. )  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX  rejected my application to open a checking account because they could not verify my identity. 
2. ) I was unable to deposit cash into my Cashapp account with an error message of " suspected fraud '' being the reason on the cashier 's screen. I opened a new Cashapp account and the same thing happened with that account at a different deposit location.

3. ) I added money to a XXXX pre-paid debit card, but when I tried to register the card online with my SSN they were unable to verify my identity, so I am unable to add a billing address, or make transfers or withdrawals. 
4. ) I can not log into my account with XXXX because they can not verify my identity. 
5. ) I received an email from XXXX about a credit inquiry, but I have not applied for anything except checking accounts in the past year. I received a similar email from XXXX, along with an email about being approved by a lender for a loan. I do not have access to any XXXX account currently. 

I am reporting this to keep record with the Consumer Financial Protection Bureau and in my own publicly-accessible list of reports. If there is anything your office can help with it's appreciated. If any action is taken on my behalf, PLEASE approach the situation with grave seriousness and be mindful of hacking and manipulation by highly premeditated social engineering tactics. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: DE

Complaint narrative:
Tranunions refusal to delete UNVERIFIED information from my consumer file, and show me written consent that these Inquiries are mine, which are 1. ) XXXX  card Services date. XXXX 2. ) XXXX XXXX XXXX> date XX/XX/year>,.. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED Inquries listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously and or previous CFPB COMPLAINTS will also become part of a formal complaint to the Federal Trade Commission. I have attached a IDENTITY THEFT REPORT WITH THE FTC ATTACHED HERE TODAY, which will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite 2 written requests and a CFPB REPORT, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ). Again these Inquries are not mine, I am unfamiliar with them and do not and have not conducted any business with these increase. I demand that you remove them at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balanced {$950.00} XXXX XXXXXXXX Balanced {$7100.00} XXXX XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$1200.00} XXXXXXXX XXXX  XXXX XXXX Balanced {$160.00}

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 non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: AZ

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. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-04 00:00:00
Product: Credit 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: DISCOVER BANK
State: TX

Complaint narrative:
I had a Discover card that ended in XXXX that was accessed and used by a third party without my knowledge or approval. I reached out to the company that charged the card and several months ago they approved my refund for fraud request and I just received all of the dispute receipts from their credit card processor showing that the charges have been refunded due to fraud. Because these are fraudulent transactions I request Discover remove the charges from my balance and update the credit bureaus to reflect that I had not missed payments because the charges that caused any balance were fraudulent. Additionally, upon review of this dispute I request Discover either open my account again or account a new account for me since the former account was closed due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SIMM Associates, Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint against SIMM Associates XXXX Inc. regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) related to their handling of a debt collection attempt for an account with XXXX XXXX Below are the details of the issue I have encountered, which I believe constitutes a violation of the FDCPA. 

Violation : Lack of Proper Validation Notice ( 1692g ( a ) ) On XX/XX/2024, at XX/XX/XXXX I received a call from SIMM Associates. During this call, I informed the representative, XXXX XXXX, that I did not recall the debt and requested validation of the debt to be sent via U.S. mail. I also mentioned that I had never received any prior documentation regarding this debt. I subsequently received a letter marked validation from SIMM Associates, but it was lacking essential information required by the FDCPA. Specifically, the letter failed to inform me of my right to dispute the debt within 30 days and did not explain how to request verification of the debt. Additionally, it did not specify the consequences of not disputing the debt within this period, leaving me unclear about my rights and the process for challenging the debt. 


This omission has misled me about my rights and the proper process for disputing the debt. 
This has caused significant confusion and stress. I am uncertain about the legitimacy of the debt and how to properly address it. This situation has impeded my ability to respond appropriately and resolve the matter.

Company response to consumer: Closed with explanation