vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: AZ

Complaint narrative:
XX/XX/XXXX a loan agreement was made in my name for purchase of a vehicle, the vehicle was purchased by a company unrelated to me. Speaking with the motor vehicle department, the vehicle was registered to someone with the last name XXXX on XX/XX/XXXX The car dealership falsified a signature indicating it was my signature when it was not. Furthermore, XXXX XXXX XXXX backdated paperwork putting a lien on a vehicle falsifying records because it was registered and owned by an unknown individual. They have no perfected lien, no promissory note, no security agreement, and no valid contract. Did not follow the rules of the Uniform Commercial Code. They have created this account out of thin air.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: AZ

Complaint narrative:
XX/XX/XXXX a loan agreement was made in my name for purchase of a vehicle, the vehicle was purchased by a company unrelated to me. Speaking with the motor vehicle department, the vehicle was registered to someone with the last name XXXX on XX/XX/XXXX The car dealership falsified a signature indicating it was my signature when it was not. Furthermore, XXXX XXXX XXXX backdated paperwork putting a lien on a vehicle falsifying records because it was registered and owned by an unknown individual. They have no perfected lien, no promissory note, no security agreement, and no valid contract. Did not follow the rules of the Uniform Commercial Code. They have created this account out of thin air.

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 2024-02-19 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: TX

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 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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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. 

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 XXXXXXXX has violated my rights XXXX 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 2024-02-19 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: CA

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 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 XXXXXXXX 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 2024-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was a Wells Fargo customer and had a mortgage and auto loan account between XXXX and XXXX, and qualify qualify for damages as harmed by illegal activity, and a wrongful foreclosure. I have reached out to Wells Fargo and they day they have no record of my mortgage, however I spent close to seven years fighting them on a wrongful foreclosure in the state of Florida until XXXX. I ultimately lost my home and XXXX XXXX XXXX  of dollars, in addition to having to pay triple the normal interest rate on car loans and a future mortgage. Please help! 

I have attached 1 ) the letter that says they have no record of the account 2 ) payment history ( see page 3 for Wells Fargo ), and 3 ) response to summons for foreclosure action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2023, i received a phone call from a man at Wells Fargo 's Fraud department asking if i had sent 2 wire transfers. One withdrawal of XXXX and another of XXXX. I had said absolutely not. I had felt very suspicious of this phone call so i proceeded to drive to the closest Wells Fargo bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inside I spoke with a woman asking if this number was legit. She looked at my phone and said yes that was wells Fargo 's fraud department number. 
Shortly After my Account was frozen with no further access to it by me. The balance was left of roughly XXXX dollars. 
I immediately called the number on the back of my debit card and was told i could not get help over the phone i had Togo into a branch for assistance. 
I then proceeded to another wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX for help. 
When talking to a teller and explaining what had just happened, I asked for help and he told me all bank officials are busy, handed me a business card and told me i need to make an appointment. 
Now onto the next Branch, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX where finally a gentleman helped me by the name of XXXX XXXX He helped me get access to my account and was finally able to put in a fraud claim. 
It took me over 2 hours before i could get someone at wells Fargo to help me. 
XXXX was the only person that took the time to help me. 

After I was denied getting my money back I went into the first branch where the woman looked at my phone indicating that was the fraud department, asking to get camera footage and even put in a complaint with XXXX XXXX against that branch. they denied me again and told me they dont look at camera footage like that and they asked all their employees if they spoke with me and they said no. 
I filed 3 claims and every claim was denied we even reached out to higher officials in The Fraud Department about what had happened at the first branch and no one would help us. Countless phone calls

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 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a direct deposit checking account with BMO BANK N.A. California but BMO 's online tech never works properly - requires resetting password anytime I log in, and BMO attempts to send texts to confirm ID but their texts never arrive, or text arrives hours later. as a result I am unable to access my funds. I set up an external transfer to my savings account at another bank and the accounts were confirmed verified and set up for transfer but BMO cancelled the transfer of funds to a verified account for which I am the sole owner.

BMO 's procedures are unreasonable and I have no problems satisfying security requirements with other financial institutions. BMO is not " protecting me '' from my money but instead seeking to insulate itself from any possible risk of potential liability- which results in the account holder 's inability to access her own funds I am now in the process of moving my direct deposit from BMO to XXXX XXXX but I am a state government employee so the change requires 30 days. once the direct deposit has changed I can close the BMO account. yet I still need access to my funds in the meantime thank you

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 2024-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
Rental property owner died, they gave no notice to any of the XXXX tennants, they were pocketing our rent, not fixing any of the maintenance issues, a trust company stepped in to oversee the property without proper notifications, then they asked people to move before the new owners took ownership, and we did..we were told there would be no balance since the property owner had not taken ownership as long as we moved.

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 2024-02-19 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: NJ

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 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 2024-02-19 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: FL

Complaint narrative:
I disputing the validity of this account from XXXX XXXX XXXX the account is hindering me from obtaining new credit. ive been denied several times because of this account. this account has been written off on XXXX XXXX XXXX XXXX  as a business write off. per the IRS publication XXXX this is now icon on my end. so if this is considered to be income for mw than why is being reported. my pay check isn't being reported so why this. I have to pay taxes on it and it's still reporting thats fraud on behalf of the furnisher XXXX XXXX XXXX. this also is a violation go y consumer right. 


XXXX, XXXX, & Experian have all violated my rights according to 15 usc 1681e and 15 usc 1691 I. please deleted this repossession of off my credit Ive given the car back come on guys what's up with all the fraud going on. this is secures fraud at its finest.

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 2024-02-19 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: NJ

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 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 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to dispute inaccuracies present on my credit report, which have been reported by P & B CAPITAL GROUP LLC. I have identified several violations of federal laws in their handling of my account, which warrant immediate investigation and resolution. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite repeated requests, I have not received adequate documentation supporting the validity of the debt they claim I owe. This lack of validation directly violates my rights under federal law.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper means to challenge the accuracy of the reported information, denying me my statutory right to dispute the account.

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. Such actions violate my consumer rights and undermine the integrity of the credit reporting process. These unethical practices must be addressed to ensure fair treatment of consumers.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This flagrant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) demonstrates a clear violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against P & B CAPITAL GROUP LLC for their failure to comply with federal laws and their disregard for consumer rights. 

Enclosed are copies of relevant correspondence and documentation supporting my claims. Please review this information thoroughly as part of your investigation. 

Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
I contacted InComm by phone on XX/XX/year> ( XXXX ). 

I was given a {$200.00} XXXX XXXX card for XXXX. I attempted to use the card on XX/XX/year> and there were XXXX dollars on the card because a fraudster somehow stole the card and used the funds in XXXX separate transactions on XX/XX/year>. When I attempted to use the card on XX/XX/year>, the card was still in the untampered package. The merchant tried to scan it and it did not go through. I called the # on the back of the card and discovered the card had {$0.00} remaining. 
InComm took my dispute ( XXXX ) and required that I provide my name, DOB and mailing address. I completed all the requested paperwork, but today they emailed me requesting that I send them copies of the original packaging, front and back. This is no problem but they also want a copy of my receipt. I don't have a copy of the original purchase because the card was a gift. I'm escalating this issue to the CFPB now because I know that without the proof of purchase, InComm is going to deny my request. InComm should know what specific store received a card and they should be able to make a reasonable decision based on where the card was purchased ( Georgia ) versus where the charges occurred. There are several outstanding lawsuits against InComm for shoddy security practices or potential internal company fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Agreement Number : XXXX Per FCRA as a federally protected consumer I am now opting out any and all authorization, that I the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6802.

Furthermore, review attached documents

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 2024-02-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name : XXXX, XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : 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 an account without my written instructions.

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