vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: SC

Complaint narrative:
sep ira was set up with wellsfargo without my knowledge. I had funds taken once I discovered its existence

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to bring to your attention an urgent matter regarding a debt that has been erroneously associated with my name. I recently received a copy of the contract from XXXX, and upon review, I discovered significant inaccuracies. 

Firstly, the address listed on the contract is incorrect, and I want to emphasize that I have never resided at that address. Additionally, I noticed that the name stated on the contract is not mine, further confirming that this debt does not belong to me. 

To support my claim, I have attached copies of my driver 's license and utility bill, clearly indicating my correct name and residential address. These documents serve as irrefutable evidence that I am not the individual associated with this debt. 

In light of these factual discrepancies, I kindly request that you conduct a thorough investigation into this matter and take immediate action to rectify the situation. It is imperative that this debt is promptly removed from my credit report, as it is unjustifiably tarnishing my credit history. 

I understand the significance of maintaining accurate credit information, and I trust that you will handle this matter with the utmost urgency and professionalism. I kindly request to receive written confirmation of the debt removal and an updated credit report reflecting the necessary corrections. 

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

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I write this complaint to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information in my credit report. The credit bureaus ( XXXX, XXXX, and TransUnion ), entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services. Let it be known that I will not rest until justice is served until the credit bureaus are held accountable for their transgressions. My voice shall not falter, for I stand united with countless others who have suffered at the hands of their negligence.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a serious issue concerning my credit report. It has come to my attention that inaccurate information has been added to my credit report, even though it had previously been deleted in compliance with credit law. I believe this act to be illegal and in direct violation of consumer protection regulations. 

I have been diligent in monitoring my credit report and maintaining a good credit history. Recently, I discovered that [ describe the specific inaccurate information that was added, such as a previously deleted account or false late payment ]. This inaccurate information is damaging my creditworthiness and negatively affecting my ability to access credit, obtain favorable interest rates, and even secure certain employment opportunities. 

I would like to bring to your attention the relevant credit law provisions that support my request for the immediate removal of this inaccurate information from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain accurate and fair credit reporting practices. It also states that consumers have the right to dispute inaccurate information and have it investigated and corrected or removed within a reasonable time frame. 

Based on the FCRA and other applicable credit laws, I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure the removal of the inaccurate information from my credit report. I have attached copies of the relevant supporting documents, including any correspondence regarding the previous deletion of this information. 

I understand the important role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and enforcing fair credit reporting practices. I trust that your expertise and dedication to consumer protection will ensure a swift resolution to this matter. I kindly request that you notify me of the steps being taken and keep me informed of the progress. 

Thank you for your attention to this urgent matter. I eagerly anticipate a prompt and satisfactory resolution to this issue. Please feel free to contact me if you require any further information or clarification. 

Yours 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion have failed to send me documents about bankruptcy due to fraud on my name and account. They have not taken my case seriously all with has caused tremendous torment in my life.. transunion have received my court documentation. With stated the information was not verified by court systems.. or a third party company They did not send a letter within 30 days with proof of verification.. transunion have acknowledged the fraudulent activity on my credit report. Along with the extended fraud alert i have uploaded the lack of care from a Transunion representative along with other proof the two bankruptcy should be removed 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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: FL

Complaint narrative:
I have an active account with this Conns XXXX XXXX company. The account is NOT more than 30-days past due. If my account goes one day delinquent the company calls my place of employment at least 15-20 times per day starting as early as XXXX to XXXX. I have asked verbally that they remove my work number from their files as I am unable to receive these types of calls at work. I would like for them to cease and desist all communication via phone because it is annoying. I would like to only communicate with them via mail correspondence. The phone calls are unrelenting from day to day causing disruption in my work performance and personal life. The calls are continuous in nature with intent to harass over a {$130.00} past due balance, They have also authorized payment out of my account that I did not authorize, after I manually removed the automatic payment method from my account. They have removed the option for me to update my banking information on file so that they can't use the information on file. Although, I have contacted my bank regarding the unauthorized Customer Service payment that I did not authorize last month. This month, they still attempted to use my personal banking information some how to process the payment on their own free-will when I did not authorize and removed the automatic payment method on my account so that they would not have access to my banking information. I do not want them harassing me at work or at home over a debt they say I owe that's not more than 0 days late in an attempt to force me to pay. I want them to cease and desist from calling me at work 20 times per day and at home. Communication going forward should be through the mail service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX paid in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries XXXX  XXXX XX/XX/XXXX NEVER ME!, XXXX  XXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT ME, XXXX XXXX XXXX , and XXXX  XXXX none of these I ever applied for. 
Experian- XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( n.-281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists

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 2023-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I have disputed these charges and asked multiple times for detailed billing from these companies. I have never been sent paperwork the detailed billing. They have called and called and threatened to have me arrested and also garnish my wages and also take me to court. They also have sold my debt numerous times to several companies and the cycle repeats over and over again. The debt collectors continually hit my credit report and hurt it on an average of every 6-12 months when they sell it off to another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX account # or reference # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX ending in account # XXXX XXXX XXXX XXXX ending in account # XXXX 15 U.S.C 1681 Setion 602A states I have the right to privacy. 

15 U.S.C 1681 Setion 602A 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 explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX Reported On XX/XX/2023 Account Balance {$1500.00} This lender or creditor reported that your payment was 30, 60, 90 or more days late. 
XXXX  XXXX Reported On XX/XX/2023 Account Balance {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX XXXX in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries Transunion- XXXX XX/XX/XXXX NEVER ME!, XXXX  XXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT ME, XXXX XXXX XXXX XXXX and XXXX XXXX none of these I ever applied for. 
XXXX XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX  I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX paid in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries XXXX XXXXXXXX XX/XX/XXXX NEVER ME!, XXXX XXXXXXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT MEXXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX none of these I ever applied for. 
XXXX XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XXXX XXXXXXXX XXXX, my account with Goldman Sachs ending in XXXX was closed. A dispute was opened on XXXX XXXX XXXX but the dispute was reversed after the account was closed. I have received an egregious number of emails stating that I still owed. 
However, per the conversation with Customer Service Rep Apple Card account on XX/XX/2023 payment made for XXXX from XXXX XXXX XXXX XXXX Transaction number is being sent via email as per XXXX EmpID # employee didnt confirm nor supply her employment number. Stated the account was paid in full and was closed. Service Rep fail to confirm if any other disputes charges or transactions occurred. On XX/XX/2023, after the account was closed. Notification was received stating a total of XXXX was due. I'm requesting to have investigation launched to find out why the account is being collected on and they are lowering my credit score. I am being targeted as in spite of retaliation because I no further want to conduct business with this bank. I have told them on several occasions not to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are 3 inquiries on my Equifax credit report that are listed as being from XXXX XXXX  however I have never applied for credit with XXXX XXXXXXXX XXXX XXXX took over accounts from another bank that merged with another bank to form a new bank called XXXX. Unfortunately the law is very clear in this regard. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This is not accurate on my report because when I applied for credit it was not with XXXX and unless XXXX can provide documentation with my signature on it applying for credit on the dates that have been listed this is not an accurate reporting of inquiries on my report. I request that unless XXXX can provide documentation dated for each inquiry for an application of credit with XXXX with my signature then the inquiries must be removed. Failure to do so both makes XXXX as well as Equifax liable for damages under FCRA laws for both willful and negligent non compliance. 

The dates of the inquiries : XX/XX/2021 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The company is called Petland ( XXXX XXXX XXXX XXXX XXXX They contacted my estranged parents who I do not talk with and left a voicemail talking about our debt. They contacted them on XX/XX/2023 they did not have my estranged parents before this time period. They admitted to us that they use an automated system that contacts anyone who hasrelationship with us and contacted them without our permission. When we called the company XX/XX/2023 to gather information how that has happened and they dont have proof on file that we gave that number and that they do not have our permission as well. We have proof of the voicemail that I received in my old email from my estranged dad with a picture of the encounter. 

Attached will be the screenshot of the voicemail my estranged father received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc
State: GA

Complaint narrative:
victim of identity theft

Company response to consumer: Closed with explanation