vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-18 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: VA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX ( customer ) Wells Fargo Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for complaint On XXXX, Office of the Comptroller of the Currency, wrote XXXX XXXX a letter stating that the Consumer Financial Protection Bureau ( CFPB ) has jurisdiction and authority to resolve my complaints. 

Both banks actions were violated banking statutes, regulations and policies. 

Both banks committed grand theft, financial abuse of an elderly and disabled persons funds and life savings required for my basic needs and medical care. 

Wells Fargo Bank stole {$720000.00} from the checking account of XXXX XXXX. 

XXXX XXXX XXXXXXXX stole {$5500.00} from the checking account of XXXX XXXX. 

Wells Fargo Bank admits in a letter on XXXX, that my {$110000.00} was not wired. Wells Fargo claims my {$110000.00} was not deducted from my account. This is a lie. The XXXX wire transfer document shows the {$110000.00} was deducted from my account. 

I declare, my {$110000.00} was deducted from my account by Wells Fargo Bank and never refunded. 

Wells Fargo Bank stole my {$110000.00}. I have written proof. This is grand theft and financial abuse of an elderly and disabled persons funds required for my basic needs and medical care. 

I state the remainder of {$610000.00} was never wire transferred to anybody. Wells Fargo Bank stole my {$610000.00}. Wells Fargo Bank stole a total amount of {$720000.00} from my checking account. 

I declare, the remainder of {$610000.00} was deducted from my account by Wells Fargo Bank and never refunded. 

Wells Fargo committed grand theft. False and fabricated wire transfer documents were used to steal my {$720000.00}. This was my entire life savings used to pay for my basic needs and medical treatments. 

My and my familys pain and suffering is severe from Wells Fargo Bank and XXXX XXXX XXXXXXXX criminal behavior. 

I request that the CFPB order Wells Fargo Bank to refund me {$720000.00} plus lost 5 % interest from XXXX to present, IMMEDIATELY. 

I request that the CFPB order XXXX XXXX XXXXXXXX to refund me {$5500.00} plus 5 % interest from XXXX to present, IMMEDIATELY. 

Respectfully submitted. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After thoroughly reviewing my credit report, I have identified XXXX inaccuracies reported by TransUnion, which are in VIOLATION of my rights as a Federally protected consumer. I filed an identity theft report on XX/XX/XXXX, indicating that an individual has falsely assumed my identity in relation to a bankruptcy filing. These items must be promptly removed due to inaccuracies in reporting, as mandated by 15 USC 1681e subsection b, which states 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 Furthermore, in accordance with the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 
The company has to provide me with the date, time, name of the person spoken to, and my wet ink signature authorizing the furnishing of this disputed information. 
If this information is unavailable, immediate removal is imperative. I am not requesting verification of the accounts ; rather, I am demanding compliance with the law, given that an identity theft report has been filed with law enforcement. Notably, this information is NOT being reported by other major credit bureaus, as evidenced by the attached documents. 

Failure to comply with the law will leave me no choice but to pursue LEGAL ACTIONS for these violations.

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 2024-02-18 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: CL Holdings LLC
State: TX

Complaint narrative:
The amount that says is owed to XXXX is {$1000.00} XXXX has sent this to Jefferson Capital. I called them and complained and now they added XXXX that is XXXX  plus dollars from XXXX and I have not used XXXX in over 20 years. The XXXX account was opened fraudulently and a police report was filed with the XXXX, Nevada Police Department. The lady that stole my phone that went by the name of XXXX stole wallet, phone and got a grand larceny charge against her because the amount stolen was greater than {$1000.00}. She stole my identity and opened a XXXX account and bought a XXXX tablet. I have repeatedly begged and pleaded with XXXX XXXX to remove this. I have also pleaded with the debt holder Jefferson Capital Systems LLC. XXXX XXXX does not have any of my information correct either. I payed off a vehicle to XXXX XXXX and it shows I am current but owe XXXX. As a proud XXXX XXXX Veteran of the XXXX XXXX having served XXXX years for my country I do not believe I will ever enjoy the American dream of owning a home with the credit system and credit bureaus keeping my score down to charge higher interest rates. The XXXX and XXXX collections on XXXX XXXX under Jefferson capital are completely false and need to be removed. I also submitted a complaint to the Texas Attorny general XXXX XXXX in hopes of helping me solve this complex issue as well. I have XXXX children XXXX of which is adopted. I can't afford to have a poor credit score. Any help with these XXXX XXXX power houses like XXXX which I soent XXXX minutes on the phone with only to be passed from person to person and on hold forever would greatly be appreciated. Jefferson Capital only added XXXX after I complained about the XXXX account. I have had neither in many years. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/24 I requested my credit report from Equifax looking at my report I realized XXXX hard inquiries that werent authorized by me Im a victim of identity theft in the past I made a dispute with the company and they sent me a letter the next day after I filed the dispute stating that the information is verified? I attach proof of my identity theft report and also the denial letter Equifax sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: KS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting the removal of this account from my report due to it reporting the last payment was XX/XX/2017 the statue of limitations on debt in the state of Ohio is XXXX  years on all debt i have had this account removed from my other credit reports due to the same incorrect information being reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-18 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: NC

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
Hi my name is XXXX XXXX I purchased a vehicle from XXXX XXXX XX/XX/XXXX. It is now XX/XX/XXXX. Ive had an accident XX/XX/XXXX. I was in a car accident on XX/XX/XXXX reported the accident to the insurance company in the dealer the lienholder of the car the situation was not my fault. I explained to the dealership that I needed the car fixed fast because I work day stated that I do not have any insuranceafter I filed the claim and emailed the claim to XXXX XXXX collections XXXX at XXXX XXXX. I have a learners permit and I can not leave the car lot without insurance so I paid a extra XXXX dollars every month XXXX every pay period for a XXXX XXXX XXXX XXXX car is worth XXXX the charged me XXXX total when I was done. The mislead me into the contract now they are trying too hurry up and kick me off the insurance and short me on money for a car thats almost totaled I paid the extra XXXX dollars every since I have got the car they neglected me for a whole month I didnt hear anything back from them until XX/XX/XXXX its been well past XXXX days since the accident they are trying to cut me a check that will leave me with no car and XXXX dollars to my name the have lied to me and my husband about having coverage and now they are trying to cover it up I have been driving this almost totaled vehicle for a month and they are trying to be sneaky and misleading again the police pulled me over because they were concerned with my safety and I have to feed my family. Nothing but lies and the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-18 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: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with explanation