vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-07-12 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 AUTO LOAN account opened at XXXX on XXXX under the account number ( XXXX ). This account have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and collections 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 the aforementioned consumer auto loan account 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 non-monetary relief
Consumer complaint received 2024-07-12 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: AZ

Complaint narrative:
Fraud accounts being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for verification 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 2024-07-12 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: SC

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Williams & Fudge, Inc
State: IN

Complaint narrative:
My identity was stolen I called and talk to someone they told me I needed a police report I recently went in to get a police report they told me I needed the case numbers which I dont know cause the police report was in 2022. So I cant get a report I really dont have no acknowledgment of this account. Im trying to get my cdls and they wont move forward with me because they using the platform that they applied for the loan to get me a loan to get my cdls. And this is really holding me back I need this off asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NJ

Complaint narrative:
Upon checking my credit file on Experian, I found following account has been opened fraudulently and without my authorization on XX/XX/XXXX. The account is with XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card # XXXX. This is a case of IdentityThefXXXX. Please remove this account from my credit file. 
According to an letter from XXXX XXXX  at my residential address dated XX/XX/XXXX, The bank claims the whole account has been paid and XXXX XXXX has a XXXX balance ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... When I call bank they say call bureau ... ... Bureau people say call bank ... ..... Please remove this fraudulent account from my Experian  Credit file. I also request a credit report from Experian  credit Bureau send at my residence XXXX XXXX XXXX, XXXX, NJ XXXX... ..... I have also attached FTC report for this.

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 2024-07-12 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2024-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
I consumer XXXX XXXX currently submitting a complaint against CKS Prime Investments a debt collection company. As i received an update of my consumer report of CKS Prime Investments reporting a collection account on my consumer credit report ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ). The reporting of this alleged debt they claim i owe violates federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I never given CKS Prime Investments consent to have my personal information nor to report any alleged debt to the consumer reporting agencies which they have invaded my right to privacy pursuant to 15 USC 1692 ( a ). The alleged debt thats being furnished on my consumer report Violates the FDCPA 15 USC 1692e ( 2 ) ( A ) ( B ) as it is false and misleading representation as A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I demand that CKS Prime Investments remove this alleged debt immediately from my consumer report. In this complaint i am notifying CKS Prime Investments pursuant to 15 USC 1692c ( C ) that I refuse to pay alleged debt and to CEASE & DESIST all communication with respect to such debt they're currently reporting. The term communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. The term " person '' means a natural person or organization. I demand that the following account be XXXX out and removed from my consumer report ( XXXX, XXXX, XXXX ) immediately as it results in a form of communication as you are in violation of title 15 chapter 41 under federal law of the Fair Debt Collection Practices Act. Please see attached removal letter sent to Debt collection company CKS Prime Investments through the CFPB with this complaint. Do to XXXX XXXX XXXX being in VIOLATION OF THE LAW. The law SAYS under CIVIL LIABILITY 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court XXXX allow, but not exceeding {$1000.00} ;.

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 explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> aprox. XXXX EST, I spoke with XXXX XXXX ID # XXXX ) requesting financial hardship assistance. I was looking for payment deferments as well reduction in payments. XXXX took some information and ran it through his system and advised no programs were available, when I asked for more details and parameters for their hardship programs he refused to provide them. When I asked to speak to a manager he put reluctantly put me hold for a long time then told me no one manager was available. Im assuming he put me on hold for a long time hoping I will hang up. He then said call back at XXXX, which was the number I called to speak to his department. When i asked for a direct number to a manager, he rudely hung up the call.

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 2024-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
A collections item was reported to the credit bureaus on XX/XX/year> for {$600.00} from XXXX XXXX. No previous notification was sent to me about this.I do not owe this debt. I had a XXXX XXXX account XXXX years ago, but I closed my account and it was paid off. I have tried to reach this Collections Agency ( Transworld Systems, Inc. ) but they are unresponsive and it is impossible to reach someone by phone. I have sent a letter disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Nothing was properly investigated or rectified

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, account attributed to entities like XXXX XXXX  do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. This account never belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On one unfaithful afternoon, I saw that my credit report was showing up some inaccurate accounts. This disappointed me as I have no idea why these inaccurate accounts are showing up on my report. Please look at the documents I've sent regarding this.

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 2024-07-12 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account XXXX : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
MY NAME XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX todays date XX/XX/XXXX I have disputed these fraud inquiries on credit report recently. I ask for these fraudulent inquiries to be immediately deleted and removed from my credit file I will list inquiries below thank you INQUIRIES : XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 1681b. Permissible purposes of consumer reports.

15 U.S. Code 1681c2 - Block of information resulting from identity theft 12 U.S. Code 5534 - Response to consumer complaints and inquiries 18 U.S. Code 1341 - Frauds and swindles

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: AL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report 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 delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: AL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report 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 delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo erroneously debited my checking account {$2500.00} saying in a letter that " they made a mistake ''. As a result, my account went below {$0.00}. I was charged fees and my account was closed. Shortly thereafter, they also closed my 2 credit card accounts, both in good standing. I've tried speaking in person with bank staff. They are hostile, contentious and unable to explain why Wells Fargo debited {$2500.00} from my account or why my credit cards were closed without any notice. As a result of closing my credit card accounts, my credit score has dropped XXXX points. This has affected my ability to run my business and has caused irreversible damage to my business and livelihood.

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 2024-07-12 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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