vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 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: OR

Complaint narrative:
Back in XXXX of 2024, Wells Fargo allowed someone to hack into my account and set up multiple direct payments without any security measures. I reported this immediately, but the hackers were able to drain my entire bank account over the weekend due to Wells Fargo 's incompetence and refusal to freeze my account. This caused my payments to bounce, and it took me months to get my money back. They also refused to refund {$1100.00} from a XXXX and XXXX Bank transaction. 

Now, on the XXXX of XXXX, I logged onto my account to see that they had allowed a hacker to set up another payment to a XXXX XXXX XXXX XXXX XXXX ( I live in Oregon ). There was no alert to me, no text for verification, nothing. I've asked Wells Fargo to please set up multi-factor authentication for this recurring issue, but they said they don't offer multi-factor authentication for direct payment setups. I have XXXX other banks, and I have multi-factor authentication through all of them. I've never been hacked into any of those accounts. However, within the last XXXX months, I've been hacked into my Wells Fargo account twice, and Wells Fargo is refusing to fix their security breach to protect my money. Their website states that they have XXXX security monitoring, but they have not caught any of these fraudulent 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Immediate Resolution of Repeated Documentation Requests Dear Equifax, I am writing to demand an immediate end to your repeated stall tactics in response to my disputes. Despite submitting my drivers license, Social Security card, and a utility bill with every communicationboth via certified mail and through the Consumer Financial Protection Bureau ( CFPB ) you continue to send identical form letters asking for documentation. This is an unacceptable practice and a clear violation of your obligations under federal law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate disputes and either verify the accuracy of the information or remove it within 30 days. By sending the same generic requests repeatedly, you are failing to conduct a proper investigation and delaying the resolution of my disputes. 

Additionally, your actions XXXX constitute an unfair and deceptive practice under the Fair Debt Collection Practices Act ( FDCPA ), as they serve no purpose but to frustrate and obstruct my attempts to correct inaccuracies on my credit report. Such behavior undermines the integrity of the credit reporting system and violates my rights as a consumer. 

I have escalated this matter to the CFPB for their intervention and request that you immediately : Cease sending repetitive letters asking for documentation I have already provided. 
XXXX a thorough and legitimate investigation of the information I am disputing, as required by the FCRA. 
Provide a written resolution of my dispute that complies with federal laws. 
Failure to resolve this matter promptly will result in further legal actions to hold Equifax accountable for non-compliance with federal regulations. 

I expect a substantive response, not another stall letter, within the legally required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report is showing an arrest from 2016- that was updated because of an appeal in XX/XX/XXXX but the conviction and arrest was from 2016 which is 8 years way past the statute of limitations.

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 2024-11-20 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: GA

Complaint narrative:
To Whom It XXXX Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : XXXX XXXX XXXX Balance : {$500.00} Account # : XXXX This account is not mine and has been determined to be fraudulent. Moreover, the original creditor, The Bank XXXX Missouri, through its account servicer XXXX XXXX XXXX, entered into a settlement agreement with me acknowledging that this account was opened fraudulently and is not valid. 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. After extensive investigation and legal action, the original creditor reached a settlement agreement with me, acknowledging the accounts fraudulent nature. Under the terms of the settlement, the creditor agreed to : Delete all tradeline information associated with this account from my credit report. 
Waive any claim to collect on the account. 
The attached XXXX XXXX and XXXX of Claims, signed by both parties, demonstrates that the account is not legitimate. Despite this resolution, XXXX XXXX XXXX, as a third party, continues to report this invalid account, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Actions Taken by Me : Reported identity theft and disputed the account with the original creditor. 
Reached a settlement agreement with the original creditor acknowledging the accounts fraudulent nature. 
Filed disputes with credit bureaus to remove the invalid account. 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request the following actions : Remove this account from all credit reporting agencies and ensure it is no longer associated with my name or credit file. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation that the account has been permanently removed and that no further action will be taken regarding this matter. 
This fraudulent account is causing unnecessary damage to my credit profile, despite the attached legal agreement confirming it is invalid. I expect a prompt resolution to ensure my credit record accurately reflects my legitimate financial history. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
To Whom It XXXX Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : XXXX XXXX XXXX Balance : {$500.00} Account # : XXXX This account is not mine and has been determined to be fraudulent. Moreover, the original creditor, The Bank XXXX Missouri, through its account servicer XXXX XXXX XXXX, entered into a settlement agreement with me acknowledging that this account was opened fraudulently and is not valid. 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. After extensive investigation and legal action, the original creditor reached a settlement agreement with me, acknowledging the accounts fraudulent nature. Under the terms of the settlement, the creditor agreed to : Delete all tradeline information associated with this account from my credit report. 
Waive any claim to collect on the account. 
The attached XXXX XXXX and XXXX of Claims, signed by both parties, demonstrates that the account is not legitimate. Despite this resolution, XXXX XXXX XXXX, as a third party, continues to report this invalid account, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Actions Taken by Me : Reported identity theft and disputed the account with the original creditor. 
Reached a settlement agreement with the original creditor acknowledging the accounts fraudulent nature. 
Filed disputes with credit bureaus to remove the invalid account. 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request the following actions : Remove this account from all credit reporting agencies and ensure it is no longer associated with my name or credit file. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation that the account has been permanently removed and that no further action will be taken regarding this matter. 
This fraudulent account is causing unnecessary damage to my credit profile, despite the attached legal agreement confirming it is invalid. I expect a prompt resolution to ensure my credit record accurately reflects my legitimate financial history. 

Thank you for your attention to this matter. 

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2024-11-20 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: GA

Complaint narrative:
To Whom It XXXX Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : XXXX XXXX Co. 
XXXX XXXX : XXXX XXXX : {$1700.00} Account # : XXXX This account does not belong to me and appears to have been established fraudulently as a result of identity theft. Additionally, it is impossible for this account to be mine because at the time this account was allegedly opened, I was XXXX on XXXX XXXX in XXXX, XXXX. 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. The account was not authorized, created, or used by me. To address the situation, I have taken the following steps : Reported identity theft to the Social Security XXXX ( XXXX ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report to confirm this account does not belong to me. 
Disputed this account with credit bureaus to ensure its removal. 
Additional Supporting Details : At the time this account was opened, I was XXXX on XXXX XXXX in XXXX, XXXX, and could not have applied for or opened this account. I have included documentation of my XXXX to corroborate this fact. 

Amount in XXXX : The account reflects a balance of {$1700.00}, which is not my responsibility. 

Actions Taken by Me : Reported the identity theft to the XXXX and obtained a new XXXX to prevent further misuse of my information. 
Filed disputes with the credit bureaus regarding this account. 
Sent a formal request for the removal of this fraudulent account 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 2024-11-20 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: GA

Complaint narrative:
To Whom It XXXX Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : XXXX XXXX Co. 
XXXX XXXX : XXXX XXXX : {$1700.00} Account # : XXXX This account does not belong to me and appears to have been established fraudulently as a result of identity theft. Additionally, it is impossible for this account to be mine because at the time this account was allegedly opened, I was XXXX on XXXX XXXX in XXXX, XXXX. 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. The account was not authorized, created, or used by me. To address the situation, I have taken the following steps : Reported identity theft to the Social Security XXXX ( XXXX ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report to confirm this account does not belong to me. 
Disputed this account with credit bureaus to ensure its removal. 
Additional Supporting Details : At the time this account was opened, I was XXXX on XXXX XXXX in XXXX, XXXX, and could not have applied for or opened this account. I have included documentation of my XXXX to corroborate this fact. 

Amount in XXXX : The account reflects a balance of {$1700.00}, which is not my responsibility. 

Actions Taken by Me : Reported the identity theft to the XXXX and obtained a new XXXX to prevent further misuse of my information. 
Filed disputes with the credit bureaus regarding this account. 
Sent a formal request for the removal of this fraudulent account 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It is so distressing and you have no idea how bad it is, XXXX an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 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: PA

Complaint narrative:
this was not sent in error i am a consumer by law and my information was misused. Now I have some false not 100 % accurate accounts on my credit report and is also not XXXX XXXX compliant.

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