vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I initiated and entered an consumer credit Transactions with WELLS FARGO with my open ended credit plan XX/XX/2013. 
WELLS FARGO then alleged i had unpaid late alleged obligation, Which they then charged off and closed the account XXXX. No federal law under Truth in Lending or FCRA statutes does it mention LatePayments in connection with my open ended credit plan. 15 USC 1602 does however say an account can not be closed without my the original creditors written consent. Also a natural person can not assume any debt, because pursuant to 18 USC 8 the United States assumes all obligations. WELLS FARGO is attempting to collect an alleged debt from me ; in the process harming my consumer report and my reputation which is a violation of 15 USC 1692d ( 1 ).

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 2021-07-03 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: MA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Crea Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

1XXXX XXXX  XXXX  XX/XX/2021 2- XXXX  XXXX  XX/XX/2021 3- XXXX XXXX XX/XX/2021 4-XXXX  XXXX  XXXX XX/XX/2021

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 2021-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. XXXX XXXX XXXX XXXX {$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 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I paid off my accounts on all of my Amex cards ( 3 total ). The limits were : {$12000.00} XXXX recently paid about $ XXXX to pay off completely to XXXX balance ), another was {$5000.00} limit and another was another {$5000.00} limit. Ive had my card since XXXX. I have never paid late, missed a payment, and I always pay twice the amount of the minimum payments. When I tried to make a purchase on the {$12000.00} ( blue cash back card ) limit card they immediately blocked it and put my limit to {$1000.00} and told me they need all of my financials and proof of income. Which I complied and worked on appeal. This was on XX/XX/XXXX. Then on another card ( Amex gold delta sky miles ) today XX/XX/XXXX I had {$5000.00} available credit with {$0.00} balance and I made an XXXX eats purchase for {$9.00} and they again changed it to {$1000.00}. I called to speak to a manager and they denied me. They claimed they have to review my account first ( even though they didnt ask me why I am calling ). I have done nothing wrong nor have I done anything to have warranted such treatment. I pay the annual fees for my cards of over {$300.00} a year and I never missed a payment and in fact I pay off my balances. They cited that I opened new credit cards recently which I did because I was offered 0 % APR and some had more cash back ( e.g. XXXX XXXX for my XXXX app purchases and XXXX card for my XXXX phone bill ). But that should give them the right to suddenly reduce my available credit by more than {$15000.00} for trying to use it to by something so small as {$9.00} XXXX eats pass

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
I contacted Lexisnexis and notify them that I opted out of there company over 6months ago, I also notify them that it against the law to report without my consent, My records should no longer be in there system and lexisnexis did nothing there reporting still unauthorized They are Violating my privacy without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

XXXX XXXX {$310.00}

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 2021-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emergent Business Group, Inc.
State: NY

Complaint narrative:
Emergent Servicing is in violation of the Fair Debt Collection Practices Act for the follow subsections : 15 U.S.C 1692b ( 2 ), 15 U.S.C 1692b ( 5 ) Emergent Servicing has possession of a copy of an invoice, affidavit, exhibits that identifies their actions against me as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: CA

Complaint narrative:
Wilber And associates called me saying that I owe money for a car accident. I was not, nor have I ever been in a car accident. I told them they had the wrong person, and they said my license would be suspended if I didnt pay. I received a letter in the mail from them saying I owe {$2300.00} and gave me ways to pay this debt. This debt is not mine, and I have never been in a car accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX  XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: GA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$83.00}

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 2021-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$950.00}

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 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft

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 2021-07-03 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: FL

Complaint narrative:
I have written all three bureaus several times. I didnt know to keep good records or I wouldnt have proof but I did keep a copy of my last letter that I mailed to them back on XX/XX/XXXX. I have yet to get a response at all. I dont know what is going on but I need a response. For the record, there was no reaction and negative data is in effect mistakenly remembered for my acknowledge report, as I have exhorted you on two separate events, over 50 days and again 10 days prior The examination took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are very much aware, government law expects you to react inside 30 days, yet you have neglected to react. Inability to agree with these government guidelines by credit revealing offices are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). I'm keeping a cautious record of my correspondences with you on this matter, to document a protest with the FTC should you proceed in your resistance. I further advise you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you will be at risk for your headstrong rebelliousness. If it's not too much trouble, Remove all Fraudulent records as I have no information on these records because of the Equifax Data Breach/Identity burglary. Everything is being explored by the FTC I'm additionally keeping the organizations recorded underneath educated regarding your unshakable rebelliousness CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and protection CC : Federal Trade Commission CC : State Regulatory office CC : California Regulatory office Division of customer objections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have sent three certified validation letters to XXXX, Midland Funding, XXXX XXXX and XXXX starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} XXXX /Midland Funding XXXX XXXX, XXXX XXXX XXXX Account # XXXX {$4800.00} XXXX Midland Funding XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX or # XXXX {$5300.00} Midland/XXXX- XXXX XXXX XXXX Account XXXX XXXX {$5800.00} Midland/XXXX- XXXX XXXX XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has failed to perform its due diligence and is falsely reporting a Fraudulent Collection account for {$500.00} on my credit profile, supposedly owed to a XXXX XXXX XXXX XXXX XXXX and it's affiliate company named XXXX as reflected on my credit report. I've never been aware of nor made any contract with such a company in the past or present and Equifax has intentionally and willfully compiled this erroneous information on my credit profile, thereby suppressing my scores and hindering my current process of home ownership which I've steadily worked on the past three to four years. 

I've reached out to Equifax in writing and my concern with their action has been negated and there erroneous information on my credit report continues to suppress and hinder my Credit Score which is a breach and totally unfair. Equifax must remove the negative information from my credit report with deliberate speed and update my credit report accordingly. 

Truly! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I paid XXXX to publish my applications and help in finding a job, I was completely aware that there would be a back ground check done and when the results came in they denied me any futher help and would not be submitting my applications, but they are doing this based on a misdemeanor charge in North Carolina that i am still going to court over and i feel that it was not fair to deny me of any chance of employment on something that has not even been charged on me. My next court date is in XXXX and i was cleared in every other part of the back ground search. so if i am going to be judged on something the court has not even found me guilty of I think this is very unfair and I would like a refund of my money and I will be putting a review on yelp and any where else possible because I am being judged very unfairly by this company over something that i have not even been charged with in court.

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 2021-07-03 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: GA

Complaint narrative:
Today on XX/XX/XXXX, I contacted credit reporting agencies via telephone to remove unauthorized inquiries and accounts on my report. The representatives refused, which is a violation of my consumer federal protection rights. XXXXXXXX/Equifax/XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiries and accounts be removed now. Plus I already received a letter from XXXX XXXX saying they would remove this fraudulent account from my credit profile, nut yet they deceived me because they left it on my credit report. that is very deceptive under 15 USC 1692j & FDCPA section 807. I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). this is complete XXXX and a protected consumer, I feel as if my rights are being abused. please refer to my invoices to remedy this situation.

Company response to consumer: Closed with explanation