vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 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: VA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies on my credit reports, which I have previously disputed with Equifax, XXXX, and XXXX. Despite my repeated attempts to resolve these issues, I have encountered little to no results and continued financial hardship due to identity theft and credit reporting inaccuracies. I am seeking an urgent resolution and compensation for the damages incurred as a result of these inaccuracies and identity theft. 

I have diligently followed the official dispute process with the credit reporting agencies, providing detailed documentation, and highlighting the items that are not accurate, fraudulent, or related to identity theft. Despite my efforts, my credit reports remain plagued with incorrect information, making it challenging to secure loans, housing, and employment. 

The inaccuracies and the identity theft-related entries have not only tarnished my creditworthiness but have also caused severe financial stress and emotional distress. I have attached copies of the relevant credit reports, highlighting the discrepancies and fraudulent entries, along with the previous dispute correspondence for your reference. 

I respectfully request the following actions be taken to rectify this situation : A thorough investigation into the inaccuracies on my credit reports and the identity theft issues that have not been appropriately addressed. 
Urgent correction and removal of all inaccurate, fraudulent, or identity theft-related items from my credit reports. 
Notification to Equifax, XXXX, and XXXX to promptly update my credit reports with the corrected and accurate information. 
Compensation for the damages I have suffered due to these inaccuracies and identity theft, including financial losses, emotional distress, and any associated legal fees. 
I am fully aware of the importance of accurate and fair credit reporting, and I believe that the CFPB 's intervention is crucial to ensuring that my credit reports reflect a true and accurate representation of my credit history. 

I kindly request that this matter be addressed with utmost urgency, considering the significant impact it has on my financial well-being. I would appreciate your prompt attention and resolution. Please keep me informed of the progress and outcome of this investigation. 

I am willing to cooperate fully, providing any additional information or documentation necessary to facilitate this dispute and expedite the resolution process. 

Thank you for your prompt attention to this critical issue, and I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair and accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I opened an account with Wells Fargo on XX/XX/23 under the premise I would be receiving a {$320.00} checking account bonus for qualifying activities. These activities include a {$25.00} opening deposit and {$1000.00} of direct deposits within 90 days. I have let these requirements as outlined by the timeline below. 

XXXX opened account XXXX opening deposit XXXX qualifying direct deposit by employer in the amount of {$1800.00} ( XXXX  ). 

I called Wells Fargo twice on XX/XX/23 and was told by XXXX different customer service agents that I did not meet the requirements. After mentioning that I did indeed receive a paycheck via direct deposit on XX/XX/23, both agents agreed and stated they had overlooked that. However, neither could confirm Id be receiving my bonus despite meeting requirements. Supporting documentation attached including Wells Fargo indicating my direct deposit was indeed qualifying. Includes sign up offer code XXXX applied upon online sign up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: GA

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 Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-10-16 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: GA

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 Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: NY

Complaint narrative:
VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT. 

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account 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
Consumer complaint received 2023-10-16 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: NJ

Complaint narrative:
20 USC 1232 g ( b ) ( FERPA ) Family educational rights and privacy act states you tcan not add any educational records on my report 15 USC 1681B states that you need written permission to add anything to my credit report, I never gave written permission for this account to be added to my credit report.

15 USC 1681 also states that you have to respect my right to privacy!

15 USC 1681n states that if you do not remove this account I am subject to up to {$1000.00} per violation and I have found close to {$20000.00} worth of violations on my account 12 CFR 1016.1 requires that financial institutions provide notice to its customers of privacy policies and practices. This also gives me the right to opt out of that disclosure. Every company must provide a privacy notice before adding anything to my report!! I also have the right to opt out of anything I want in my credit report and that is what Im doing.

12 CFR 1016.7 states you must provide a clear and conspicuous notice that accurately reflects your practices.

15 USC 6805 is the law that enforces the Equal opportunity credit act 15 USC 1681 C states that you can not add any adverse action to a credit report unless its a past conviction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly notified EXPERIAN that they have violated my Consumer rights multiple times under 15 USC 1681 ( B ) ( C ), 15 U.S.C. 1666b ( a ), 12 CFR 1016.4a and 15 USC 1602 ( b ) just to name a few, and have requested for them to remove the disputed items which are in direct violation of my rights as a consumer, and they have refused to respond or acknowledge my request. I have sent all notices via certified mail, both to the CEO and the dispute department, requesting them to resolve this unlawful violation within 15 days, and no response has been given. These credit bureaus seem to think they can just violate our rights at will, and then ignore us when we attempt to lawfully hold them accountable for it. Congress put the United States Code and Uniform Commercial Code in place for this very reason, to protect consumers from corrupt corporations such as EXPERIAN trampling all over our rights in order to create a monopoly over credit scores. This is both unlawful, unconstitutional, and most importantly, unrighteous. 

The disputed items are : HARD INQUIRES : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: FL

Complaint narrative:
XXXX, There is incorrect personal information on my latest credit report that needs to be corrected immediately as its damaging my ability to obtain credit. 

Please see attached : - drivers license - social security card - address - complaint letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: LA

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.

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 inructions 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I believe that BOA has practiced deceptive practices and violated my rights. I believe that identity theft is taking place. I am the secured party and original account holder. When this account was created they placed me on the " debtors '' side of the ledger. I am a living man of this land and I am the " creditor '' of this account according to XXXX definitions. This account was created with my autograph which then created a promissory note. When I make a " transaction '' that then creates an " obligation '' according to 18 U.S Code 8 and House Joint Resolution 192 the " United States '' is responsible for all obligations and debts. I do not live in the " District of Columbia '' nor do I live in the XXXX definition of a " State '' either. I also have a business account with BOA and I do not hold public office according to their definitions of " Trade or Business '' this is deceit on behalf of " WE THE PEOPLE '' who conduct business with BOA. 

Reference : HJR 192 26 USC 7701 ( a ) ( 9 ) 18 U.S. Code 1342 12 U.S. Code 83 15 U.S. Code 1 7 CFR 1956.54

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: MO

Complaint narrative:
XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal and Deletion of Personal Information XXXX XXXX # XXXX, # XXXX Dear Sir/Madam, I am writing to request the removal and deletion of my personal information from XXXX XXXX 's records and databases. It has come to my attention that there is inaccurate information associated with my name, and I wish to have my profile entirely expunged from your system. 

I want to emphasize that I have never engaged in any business dealings with XXXX  XXXX, nor have I ever held any accounts, made payments, or otherwise interacted with your company. Yet, there appears to be erroneous data attributed to me within your records. 

In light of the aforementioned, I kindly request that you promptly undertake the necessary actions to remove and delete all information related to me, XXXX XXXX, from your system. This includes but is not limited to any accounts, personal data, and associated records. 

I understand the importance of data accuracy and compliance with data privacy regulations. I trust that XXXX XXXX will take the necessary steps to ensure that my information is completely removed and that any traces of my presence within your databases are permanently deleted. 

I kindly request written confirmation that my information has been successfully removed from XXXX XXXX 's records. This confirmation should outline the specific actions taken to address this matter. 

I appreciate your immediate attention to this request and look forward to a swift resolution. If you require any additional information or have any questions, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. 

Thank you for your assistance in resolving this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: WI

Complaint narrative:
Jefferson Capital Systems contacted somebody not related to me ( significant other ) about my debt. They specified my name and that they were attempting to collect a debt in their communication. This is illigal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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 XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, On XX/XX/, Chase Bank closed my checking account with around {$12000.00}. I went to the branch to collect my money and they said they could not give me my money and to call Chase. After calling Chase they said I will get a check in the mail within 10 days of the bank closing. Today is the XXXX day and I tried calling Chase but am not getting no response. I am a college student behind in my college payments because of the chase. Thanks again. Have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I recently discovered XXXX accounts reported on my credit report from a creditor Amex that I have no XXXX of. XXXX opened XX/XX/XXXX for the amount of XXXX Another opened on XX/XX/XXXX XXXX Ive never had accounts with this company and Have tried to reach out several times to have this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
IN XXXX i had a XXXX  XXXX credit card where i make a minimum payment of XXXX dollars I WAS INCASTERATED AN FSCING FINANCIAL HARDSHIP I WASENT BE ABLE TO MAKE PAYMENT AS XXXXSETO I GOT RELEASE IN XXXX AND TRY TO GET MY LIFE BACK ON TRACK BUT THIS CHARGE ON MY CREDIT IT HENDERING ME FROM FUTURE OPPORTUNITY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, There is incorrect personal information on my latest credit report that needs to be corrected immediately as its damaging my ability to obtain credit. 

Please see attached : - drivers license - social security card - address - complaint letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: TN

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
I did not authorize company to run my credit this is fraudulent 15US CODE 1681c2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
I did not authorize company to run my credit this is fraudulent 15US CODE 1681c2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a Vanilla Visa gift card over a year ago as a gift. I have tried to use the card several times at different stores. Unfortunately the card always declines. I am sure the card has {$65.00} Dollars on it. Since I have called customer service to get the balance every time the card declines. At least 5 times. They always state my balance is {$65.00} All the transactions I try to make are less than that amount. I have called customer service several times on XX/XX/23 and XX/XX/23 to get the numbers in the back and try to use it online. They refused to give me information or issue a new card. I opened a case file with them but they told me that if I can not provide proof of purchase they can not do anything about it and can not issue a replacement even though they know the card has a balance.

Company response to consumer: Closed with explanation