vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Complaint Against Equifax for Improper Handling of Credit Information Dear CFPB Members, I am writing to formally file a complaint against Equifax for the re-insertion of outdated and incorrect personal information in my credit report, despite my prior request for its removal. This situation violates my rights under both federal and state consumer protection laws. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report. Under this law, Equifax is required to investigate disputes within 30 days and correct or delete any inaccurate or unverifiable information. The re-insertion of incorrect information without proper notification is a direct violation of the FCRA, specifically section 1681i ( a ) ( 5 ) ( B ). 

*MY NAME IS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Employment History In the state of California, the California Consumer Credit Reporting Agencies Act ( CCCRAA ), Cal. Civ. Code 1785.1 et seq., also protects my rights. This law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy and confidentiality of information and prohibits the re-insertion of outdated information. Specifically, section 1785.16 requires credit agencies to investigate and correct errors within 30 days of receiving a dispute. 

Therefore, I request that Equifax : Immediately remove the incorrect and outdated information from my credit report. 
Provide an updated copy of my credit report with the corrections made. 
Ensure that such information is not re-inserted without proper verification. 
If Equifax fails to comply with these requests, I will proceed to take the following actions : File a formal complaint with the Federal Trade Commission ( FTC ). 
I appreciate your prompt attention to this matter and look forward to a resolution as outlined above. I am attaching copies of my identification, the relevant credit report, and any supporting documentation for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo took {$11000.00} out of my savings account. When I called Wells Fargo they claimed that it was for a credit card account that I opened in XXXX and closed in XXXX. But I did not receive any notice of any balances or payments due. I was then told my Wells Fargo to contact their legal department to obtain my credit card statements since that credit card account was closed. They said that they will send me the credit card statement. I waited for a week and a half and I'm yet to receive them. I made numerous calls and each time they ensured me that they have sent the statements. The last call I made, I spoke to multiple supervisors, and they state that they will email me the statements, but it would take 5 to 7 business days to process. Until then they have yet to show any proof of any balances I owed. I fear that I'm a victim of fraudulent activities. Wells Fargo need to show me proof or they need to give my money back.

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 2024-08-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Account XXXX ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the XXXX account ( Account Number : XXXX ) that appears on my credit report. This account is not mine and was opened as a result of identity theft. 

As supporting evidence, I am including the following documentation : 1. XXXX XXXX XXXX XXXX A letter from XXXX XXXX XXXX dated XX/XX/XXXX, confirms that the XXXX account , which is currently owned by XXXX XXXX XXXX XXXX was found to be fraudulent. As a result, the account has been closed, and a request to delete the tradeline from my credit report has been submitted to the credit bureaus. This letter serves as proof that the account was fraudulent and should be permanently removed from my credit report. 
2. FTC Identity Theft Report I have filed an FTC Identity Theft Affidavit ( FTC Report Number : XXXX ), detailing the fraudulent accounts, including the XXXX account . This report confirms that I am a victim of identity theft and supports the removal of these fraudulent accounts from my credit report. 
3. Identity Verification Documents I have included a copy of my California ID and Social Security card to verify my identity. 
XXXX. XXXX XXXX XXXX A document from XXXX XXXX, which bought the account from XXXX, stating that the account is fraudulent and should be removed from my credit report. 

In light of this evidence, I request that you immediately delete the XXXX account ( Account Number : XXXX ) from my credit report. This account was opened without my authorization, and its presence on my credit file is severely impacting my creditworthiness. 

Please confirm in writing that this account has been removed from my credit report. I appreciate your prompt attention to this matter. 

I will be including in this letter, these attachments XXXX. XXXX - Experian - XXXX XXXX. California XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. Social Security XXXX ( XXXX XXXX ) XXXX. XXXX - XXXX XXXX These files include documents related to your dispute with Experian, your identity verification ( California drivers license and Social Security card ), a letter from XXXX, and additional supporting documents. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently checking my credit report I noticed that I am a victim of identity theft. I found 2 unauthorized inquiries that I have no knowledge of.

Please remove these fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I discovered some unauthorized inquiries on my credit report this evening, and I'm at a loss as to why they're there. I usually check my credit report without issues, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. I'm really upset about this and urgently request that the documents I've provided be thoroughly reviewed so I can stop worrying about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was dismayed to discover unauthorized inquiries on my credit report this morning, with no clear reason for their presence. I check my credit report regularly, but this time, discrepancies appeared out of nowhere. After refreshing my browser to rule out a glitch, the inquiries persisted. This issue is deeply concerning, and I ask that the documents Ive provided be examined thoroughly to ensure it is resolved promptly.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report this morning, I was alarmed to find unauthorized inquiries that I can not explain. I routinely monitor my credit report, and this time, there were unexpected issues. I even tried refreshing my browser to see if it was a technical glitch, but the inquiries remained. This has left me feeling uneasy, and I ask that the documents Ive submitted be reviewed carefully to resolve this matter quickly.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I had a late payment on my credit report.I reached out the mortgage company to correct it. The mortgage company would not correct it. I made my XX/XX/year> payment and I did not find out it was returned until XX/XX/year> because I was away on my current XXXX. I'm currently under the XXXX with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the fair credit reporting act accounting # XXXX has violated my right. 
15 U.S.C1681Section 602A.State i have the right to privacy.

15 U.S.C1681Section section 604 A Section 2. It also State a consumer reporting agency can not furnish a account without my written instruccin. In addition to this account, you have different account numbers : XXXX for XXXX and TransUnion, and XXXX for XXXX, as well as several errors in dates and comments.

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 2024-08-10 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: MA

Complaint narrative:
In accordance with the fair credit reporting act accounting # XXXX has violated my right. 
15 U.S.C1681Section 602A.State i have the right to privacy.

15 U.S.C1681Section section 604 A Section 2. It also State a consumer reporting agency can not furnish a account without my written instruccin. In addition to this account, you have different account numbers : XXXX for XXXX and XXXX, and XXXX for Equifax, as well as several errors in dates and comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The details of the fraudulent Inquiries are as follows : XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I was dismayed to find unauthorized inquiries on my credit report tonight, and I have no idea why they're there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it was a glitch, but the unauthorized inquiries remained. Given this situation, I urgently request a thorough review of the documents I've submitted so that I can put this worry behind me for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Im really upset to see unauthorized inquiries on my credit report this evening, and I dont understand how this happened. When I did my usual check, I was surprised by discrepancies that seemed to appear out of nowhere. I tried refreshing my browser in case it was just a technical issue, but the unauthorized inquiries persisted. Due to this, Im asking that the documents Ive provided be carefully reviewed so I can stop worrying about this.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXXXXXX Balance : {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
n 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 : Account XXXX : Balance : {$710.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$310.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$160.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : XXXX : {$780.00} Account Name XXXX XXXX XXXX  : Account XXXX : Balance : {$470.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$430.00} Account Name XXXX XXXX XXXX : Account Number : XXXX : Balance : {$780.00} Account Name XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$3100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$1300.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX XXXX  : Account XXXX XXXX XXXX ****** : Balance : {$4600.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Account # XXXX was paid to debt collector and not remove from my 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 2024-08-10 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: MA

Complaint narrative:
Account # XXXX was paid to debt collector and not remove from my report

Company response to consumer: Closed with explanation