vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: 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.

The letters are stated with items and issues.

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 2023-06-09 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: FC HoldCo LLC
State: NY

Complaint narrative:
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score

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 2023-06-09 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: Innovate Managed Holdings, LLC
State: NY

Complaint narrative:
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX began sending a statement in XXXX of XXXX which stated that I didnt send back equipment from XXXX  XXXX XXXX XXXX . I spoke to the customer service representative along with their supervisor and advised them I did send the equipment back. I even went as far as giving them the return reference number, serial numbers of returned equipment, and the date and location in which I returned the equipment. 

They assured that they would clear this up and it would not be reported on my credit. 

I was sent a collection letter from XXXX  on XX/XX/XXXX. Called XXXX XXXX XXXX again on XX/XX/XXXX and they assured me theyd clear it up again. 

It is now XX/XX/XXXX and I received a notice from XXXX that I now have a collections from Seqium collections. I called Seqium and theyve placed a dispute on the account. 

This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: CA

Complaint narrative:
EQUIFAX continues to violate my rights as a federally protected consumer. I sent EQUIFAX MULTIPLE FTC Identity Theft reporting and letters and filed MANY CFPB complaints in regards to a fraudulent ( and delinquent ) XXXX XXXX account that continues to report on my credit report. They continue to remove and reinsert it back on my report. The reporting of this account is an ERROR and has been extremely detrimental to my health. It has additionally now caused my over credit cards that ARE mine to be negatively affected. Both of my XXXX XXXX credit card limits have been dropped over {$15000.00} in total. That is ABSURD. The account is NOT reporting 100 % accurate with any credit reporting agencies reporting the account ( see Exhibit A ). I disputed the account right away and XXXX permanently removed the account from my report. How can EQUIFAX verify that the account as " accurate '' when XXXX removed it ( Exhibit B and A show proof ) AND the information between EQUIFAX and XXXX doesn't even match ( ex. the open dates are different ). I have been in this dispute process with EQUIFAX for many many months and my health is taking a toll. If this does not get handled right away, I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: CA

Complaint narrative:
I AM A VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I HAVE TRIED TO FIX THIS ISSUE WITH THE BUREAUS, WITH THE CREDITOR, I HAVE GONE TO THE POLICE DEPARTMENT, I HAVE CONTACTED FTC AND THE ACCOUNT IS STILL ON MY CREDIT RPEORT. THIS IS NOT MY ACCOUNT. I DONT KNOW THE PERSON THAT COULD HAVE DONE THIS, BUT EVERYDAY WE HEAR THAT MILLIONS OF PEOPLE ARE A VICTIM TO DIFFERENT TYPES OF FRAUD. AND SCHAMS. AT THIS POINT I STRONGLY BELIEVE THAT THE BUREAUS PROBABLY SOLD MY INFORMATION ON THE BLACK MARKET AND THE CREDITOR BOUGHT IT. AND NOW THEY ARE PENALIZING ME WITH A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I DONT KNOW WHO ELSE TO CONTACT TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT FROM MY ENTIRE PROFILE.

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 2023-06-09 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: CA

Complaint narrative:
I AM A VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I HAVE TRIED TO FIX THIS ISSUE WITH THE BUREAUS, WITH THE CREDITOR, I HAVE GONE TO THE POLICE DEPARTMENT, I HAVE CONTACTED FTC AND THE ACCOUNT IS STILL ON MY CREDIT RPEORT. THIS IS NOT MY ACCOUNT. I DONT KNOW THE PERSON THAT COULD HAVE DONE THIS, BUT EVERYDAY WE HEAR THAT MILLIONS OF PEOPLE ARE A VICTIM TO DIFFERENT TYPES OF FRAUD. AND SCHAMS. AT THIS POINT I STRONGLY BELIEVE THAT THE BUREAUS PROBABLY SOLD MY INFORMATION ON THE BLACK MARKET AND THE CREDITOR BOUGHT IT. AND NOW THEY ARE PENALIZING ME WITH A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I DONT KNOW WHO ELSE TO CONTACT TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT FROM MY ENTIRE PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: CA

Complaint narrative:
I AM A VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I HAVE TRIED TO FIX THIS ISSUE WITH THE BUREAUS, WITH THE CREDITOR, I HAVE GONE TO THE POLICE DEPARTMENT, I HAVE CONTACTED FTC AND THE ACCOUNT IS STILL ON MY CREDIT RPEORT. THIS IS NOT MY ACCOUNT. I DONT KNOW THE PERSON THAT COULD HAVE DONE THIS, BUT EVERYDAY WE HEAR THAT MILLIONS OF PEOPLE ARE A VICTIM TO DIFFERENT TYPES OF FRAUD. AND SCHAMS. AT THIS POINT I STRONGLY BELIEVE THAT THE BUREAUS PROBABLY SOLD MY INFORMATION ON THE BLACK MARKET AND THE CREDITOR BOUGHT IT. AND NOW THEY ARE PENALIZING ME WITH A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I DONT KNOW WHO ELSE TO CONTACT TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT FROM MY ENTIRE PROFILE.

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 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I used my business checking account debit card one time and it was one purchase on XX/XX/2023 at XXXX XXXX. Any transaction that was authorized past that was not authorized by me & Wells Fargo did a poor job notifying me about any type of transactions that were not done by myself ( Unauthorized ). The following charges were not authorized by me including a {$1100.00} charge at XXXX XXXX XXXX XXXX XXXX, a {$730.00} Charge at XXXXXXXX XXXX and a {$63.00} Charge at XXXX XXXXXXXX XXXX. Additionally, a {$1900.00} XXXX at XXXX XXXX XXXX was attempted on my account. That is when Wells Fargos fraud department finally decided to notify me after almost {$2000.00} was already drained from my account from fraudulent purchases. I contacted Wells Fargos fraud department immediately and explained the situation. They gave me a claim number and told me to wait up to 10 business days. Bad service overall after stating to the Wells Fargo employee that I did not authorize any of those transactions.

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 2023-06-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inaccurate reporting to credit bureau. Everything must report accurately this way is grounds for deletion I paid car off and they added another late payment I owe nothing on car

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 2023-06-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inaccurate reporting to credit bureau. Everything must report accurately this way is grounds for deletion I paid car off and they added another late payment I owe nothing on car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6000.00}

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 2023-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX I Made a transfer from savings in the amount of {$1000.00} to my checking on my mobile. 
I went to the bank at XXXX XXXX XXXX to retrieve the funds to pay bills and run errands. I attempted to withdraw the funds from the ATM -3 times. Each time I got a marigold box that popped up declining the ability to withdraw funds. I also got three emails /receipts information that the ATM transaction was declined and I couldn't process the transaction. On my mobile app, the monies were still in checking and so I figured since it was a holiday that maybe the ATM was out of money and would just try tomorrow. 

So, went home and logged back into my mobile app because I try and keep my ATM card locked as a standard until I go to use it. So, I logged in and the XXXX I transferred into checking was gone and it didn't go back into my savings either. I immediately called Wells Fargo in a panic to ask for help. They took a claim and said they had a department that handles these malfunctions and would pull the footage and audit the machine etc. and in 10 business days or sooner I would have it resolved. I felt somewhat upset and angered but my hands were tied and they said it happens. As I learned when they said it happens more than you know. As I learned when I XXXX it. So, I felt it would not be easy to wait 10 business days but I did. Today only be provided with answers if they won't give my money nor provide me with why or determination reasons. I know they didn't look at the footage or my emails their system auto-generates with receipts verifying I was not given any money. 
Today I called the branch manager direct and he opened a case with escalation. 
In the meantime, I now have no bills paid, XXXX to live on ..... 

This is cruel and nobody wants to look at the evidence which will prove my case. 

ATM FRAUD CASE FILED : XXXX Escalation XXXX ( Filed with branch manager based on that decision ) My monies should be protected from their inferior technology ... ... and accept they stole my money and refuse to provide any details. 

Attached are the receipts generated by WELLS FARGO declining my monies. Yet, the took the funds out of my account. ATM WITHDRAWAL AUTHORIZED ON XX/XX/29 XXXX XXXX XXXX XXXX XXXX AZ XXXX ATM ID XXXX XXXX  XXXX So, their own paperwork doesnt hold up to its accounting of my funds. Their system is defective and they wont assist or look at the evidence provided. Nor did they view the camera footage that will show the same as the paper trail of 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 2023-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive asked for a full investigation of account XXXX because there were inaccuracies with all 3 bureaus.. I checked my report after the investigation and nothing was corrected. I have attached my latest 3 bureau report I want this account deleted because it is reported inaccurate. Please delete account XXXX from my consumer file immediately. 

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: TX

Complaint narrative:
fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. 

XXXX XXXX XXXX account # XXXX {$1400.00} XXXX  XXXX XXXX XXXX XXXX # XXXX {$26000.00} XXXX XXXX XXXX # XXXX {$34000.00} XXXX XXXX XXXX # XXXX {$390.00} XXXX XXXX  XXXX XXXX {$340.00} XXXX  # XXXX {$290.00}

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 2023-06-09 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: LA

Complaint narrative:
Pursuant to FCRA 6802 ( a ) A Financial Institution may not directly or through any Affiliate, Disclose to a non Affiliated 3rd Party ANY NON PUBLIC PERSONAL INFORMATION WITHOUT PROVIDING CUSTOMERS OPT OUT NOTICES REQUIREMENTS US DEPARTMENT OF EDUCATION is not affiliated with consumer reporting agencies, therefore they are in violation

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 2023-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I received a random call from Advance Collection Bureau in XXXX of 2023 stating that I owed two different medical debts for services that I can not confirm are true or accurate. On the phone I requested information pertaining to the debt owed which included an itemized bill, who the original creditor was with address, and stated without a doubt that I was disputing the medical debts as I have yet to receive a bill related to any owed medical debts from any potential alleged creditor. The individual informed me that I needed to provide the dispute in writing and I immediately requested them to mail everything to the address on file including all details pertaining to the debt as I did not have an address to communicate with Advance Collection Bureau in writing. The individual told me that he was going to submit the bills to the credit bureau if I did not pay the bills of which I informed him that submitting debts to the credit bureaus was a violation under FCRA and medical debt under a specified amount was not allowed to be submitted. He told me he could and would do it and then hung up on me. Since I did not receive any paperwork as is required within the 30 days of the request and notice to dispute, I thought the matter resolved until today when I saw an alert on my credit monitoring of debts issued by this company in these amounts. It was only then that I had a name for the company that was saying I owed medical debt.

To date, I have yet to receive any communication regarding the two debts. On the phone I was told the first debt was for {$97.00} and the credit alert cites the bill is for {$93.00} and was reported to the credit bureaus in XX/XX/2023. The second debt was reported as being {$1300.00} and submitted to the credit bureaus in XX/XX/2023. As of this filing, I am still waiting on communication from the debt collector to accurately account for the debt in the manner in which they are legally responsible to communicate with me as I told them to no longer call me and that all communications must be in writing.

Advance Collection Bureau has failed to adhere to the basic requirements of consumer debt laws and other protections in place to include the reporting of medical debt that is less than {$500.00} to the credit bureau. Additionally, I never signed a HIPAA release form with Advance Collection Bureau regarding this debt and therefore I believe my HIPAA rights have been violated with their handling of my medical debt file.

Company response to consumer: Closed with explanation