vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry on my credit report, which I believe is a mistake. After reviewing my credit report, I have identified the following entry that I would like to have investigated and corrected : Creditor Name : XXXX Account Number : XXXX Date of Late Payment ( s ) : XX/XX/year> & XX/XX/year> Reported Late Payment Status : 30 days & 60 Days Late The information in question is inaccurate because the creditor is reporting different information to each credit bureau. I've attached a copy of each credit report. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable, and I believe this entry falls under that category. 

Under FCRA Section 609, I request that you investigate this error within 30 days and provide me with the results of your investigation. If you are unable to verify the accuracy of this late payment entry, I request that it be promptly removed from my credit report.

Additionally, if the creditor can not verify the accuracy of the information, or if they fail to provide documentation of the late payment, it must be removed in accordance with the FCRA. As outlined in Section 611, you are required to notify me of the outcome of your investigation, and if the dispute results in a correction or removal, an updated copy of my credit report should be provided. 

Please inform me of the outcome of your investigation as soon as possible and provide me with a written confirmation of any corrections or updates made to my credit file. 

Thank you for your attention to this matter. If you need any additional information or documentation from me to facilitate the investigation, please do not hesitate to contact me via email at 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 non-monetary relief
Consumer complaint received 2024-11-06 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: OH

Complaint narrative:
On XX/XX/year> I received a phone call from ( XXXX ) XXXX the guy said he was from Wellsfargo then my phone froze up I had to reboot my phone when he came back up I had messages from Wellsgpfargo stating I had initiated a wire transfer for {$10000.00} and and another for {$4500.00}. I called the bank immediately to try and stop the transaction I thought I had submitted a fraud claim and a stop payment t since the money had not left my account yet. I called Wellsfargo on XX/XX/year> to let them know that someone saying they were from Wellsfargo was texting me and calling me saying they was them. I was told to not respond and to send the text message to their fraud department.. On XX/XX/year> XXXX I called Wellsfargo to check on my claim status and found out a claim was not submitted correctly and had to resubmit a new claim. I called backed on XX/XX/year> and I was told my claim was denied because they could not retrieve my money. The reason they can't retrieve the money because they waited weeks to try to retrieve my funds because they did not submit the claim on XX/XX/year> 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 explanation
Consumer complaint received 2024-11-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account name XXXX XXXX XXXX XXXX, account number 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. Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-11-06 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
I, XXXX XXXX, am filing a formal complaint against XXXX XXXX XXXX, XXXX, acting as a debt collector on behalf of American Express for a purported debt amounting to {$2100.00}. I am disputing the validity of this debt as no verifiable documentation has been provided to substantiate it, and I have yet to receive a signed contract containing both my authentic signature and my full Social Security number. My concerns, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), compel me to request XXXX XXXX XXXX, XXXX. verify this alleged debt in a clear and definitive contractual agreement, which they have yet to provide. 

In adherence to my rights under the FDCPA and other relevant consumer protection laws, I have previously requested validation of this debt from XXXX XXXX XXXX, XXXX. However, the response has been insufficient, failing to establish a legally binding contract signed by me or to present substantive evidence of my consent or obligation to this debt. I hereby assert my right to full verification as XXXX XXXX XXXX, XXXX. has not met the standard required by law to validate this claim. Should XXXX XXXX XXXX, XXXX. persist without providing a legally recognized, enforceable contract, it may be subject to litigation for misrepresentation, fraud, and potential violation of federal consumer protection laws. This noncompliance and harassment through unverified debt collection practices will warrant a federal lawsuit, and I am prepared to proceed if no compliance is met. 

Furthermore, I hereby demand that arbitration proceedings, in accordance with American Express 's standard contractual clauses for arbitration, be established as an alternative dispute resolution. XXXX XXXX XXXX, XXXX. has failed to honor arbitration options, which are typically outlined in consumer agreements with American Express, further violating my consumer rights and disregarding standard procedural fairness. This ongoing misconduct suggests a willful disregard for both consumer protection statutes and American Expresss own policies on debt dispute resolution. 

Given the nature of XXXX XXXX XXXX, XXXX. 's behavior, I respectfully request that the CFPB investigate this debt collection agency 's practices under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards, especially in light of XXXX XXXX XXXXXXXX XXXX  refusal to present evidence of a binding contractual obligation or offer arbitration per standard industry practice. 

In summary, I demand that XXXX XXXX XXXX, XXXX. immediately cease collection efforts until they can substantiate this alleged debt through legally acceptable means, specifically a signed contractual agreement containing my full Social Security number. Failure to provide these materials will confirm my intent to seek judicial relief, including damages for violations of consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX To : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft, The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Identity items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank or creditor, any type of item, such as credit accounts, checking accounts, etc.

Please block this information from my credit report, pursuant to section 605b of the FCRA, and send the required notifications to all furnishers of this information, especially XXXX, Experian, XXXX, XXXX, Clarity, XXXX, XXXX. 

Enclosed are the following : * A copy of my credit report you are reporting ( the fraudulent items are listed above ) * A copy of my identity Theft Report and proof of my identity * A copy of section 605b of the FCRA, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and away your reply. 

Sincerely, 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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete these items immediately XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, Personal Credit card account opened at XXXX XXXX XXXX opened XXXX XX/XX/XXXX under account number XXXX, Personal credit card opens at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX  opened XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX opened on XX/XX/XXXX XXXX XXXX  under account number XXXX, an auto loan opened at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, personal loan account opened at XXXX XXXXXXXX opened on XX/XX/XXXX account number XXXX, and a personal loan opened at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. These hard inquiries 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, XXXX of XXXX XXXX XXXX XXXX XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Several accounts that I dont recognize are on my report. I request they be blocked and removed immediately as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: OK

Complaint narrative:
I have this viewed several things off my credit due to fraudulent credit cards hard inquiry that I did not occur also a phone that was in my name that I did not authorize loans as well and I have been trying to dispute this for over four months now I do not live at the address is listed on my license. I have not lived there in years. I will upload my lease with my license in a piece of mail with the same address that they mailed me this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: OH

Complaint narrative:
I have reported that this incorrection information was fraud and not mine several times and it has never been corrected. It has destroyed my credit and personal life.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reported that this incorrection information was fraud and not mine several times and it has never been corrected. It has destroyed my credit and personal life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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:
Ive noticed unauthorized hard inquiries on my credit report that conflict with 15 USC 1681b ( c ) ( 2 ). These are affecting my credit, so please remove them immediately.

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 2024-11-06 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: OH

Complaint narrative:
Ive recently received a copy of credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial an inquiry on my report without my acknowledgment I never told them to continuously run my credit. The ones from XXXX XXXX should not be there I had told them I changed my mind he ran my credit anyway I need 14 hard inquiries removed I never consented to that this is ridiculous its in XX/XX/year> sometime around then

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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