vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: OH

Complaint narrative:
These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

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

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a responsible XXXX  with licenses in good standing and bank account ( s ) with Chase in good standing. I have been a victim of identity theft at a time I was hospitalized with XXXX XXXX many years ago. My fico score is XXXX as of XX/XX/2024 on a possible score of XXXX to XXXX, I do not have late payments on any of my accounts, some of which date back twenty to thirty years, I have less than 1 % utilization on my personal credit cards. I received a letter delayed in the mail, on or around XX/XX/2024, in which Chase, in a letter dated XX/XX/2024, capriciously and arbitrariliy and discriminatorily, denied me a simple credit card to manage my finances and consolidate my expenditures. In this letter they stated I have XXXX fico score ( on scale of XXXX to XXXX ), yet still could not approve me even for a modest starter credit card. When I called the number on the back of the letter for explanation XXXX, I was told the Reference No. XXXX was already " archived '' and she was unable to provide any specific information to address point by point to correct and inaccurate records, in regards to the letter stating a vague " a prior credit card or deposit account was closed by Chase '' as the reason for the denial. This was after I had already put chase on NOTICE that I was a victim of fraud and for them to disregard and disassociate any potentially adverse accounts from my name on the basis of that fraud. I have also been an authorized user of Chase ( XXXX XXXX ) and have never been late and managed my authorized user account relationship responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I had some fraud happen on my Wells Fargo checking totally XXXX for XXXX. This is a lot of money and Wells Fargo basically been telling me to XXXX XXXX The person that handled my case gave me his number but for the past 3 days it just been leaving me to voice mail. And when I try to call the regular Wells Fargo number they keep transferring me back and and fourth just to hang up on me. Then this other lady told me the other investigator said it will take 120 days and they still havent gave me provisional credit! Under the fdic and laws they need to give me provisional credit. I would like the cfpb to retrieve my money back! I also am gon na go to the biggest news outlets and post this all over social media! This bank is a total scam! And they arent following any fdic impose rules!

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I closed my granters account when he passed got the contents of a safety deposit box and got an estate account on which I paid the bills. Wells Fargo says they have the death certificate and Order to Set Aside. They said that wasn't enough? Now, I'm sure they owe remediation on his account due to the lawsuit and they are refusing to give me access to the account or the remediation. So I faxed them his will. That's all I got! It worked then why won't it work now?

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 2024-03-01 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: NJ

Complaint narrative:
In accordance with the FCRA my rights have been violated. The accounts below are a violation of 15USC 1681b .I never gave consent or permission This is identity theft/fraudulent per the 15 USC 1681C-1 AND 15 USC 1681C-2 this information is to be deleted and blocked. 
XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX These are also violations of 15 USC 1681s-2a1a and 15 USC 1681eb . These are classified by the IRS as " income '' and income isn't to be reported on a consumer credit report and this violates 15 USC 1681 ( 2 ) ( a ) \ ( 1 ) stating to exclude any transactions or " experiences '' between the consumer and the person making the report from the consumer report. 

There is also a billing error on my self lender account. The late payments for XXXX and XX/XX/2023 are a violation of 15 USC 1666b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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:
In accordance with the FCRA my rights have been violated. The accounts below are a violation of 15USC 1681b .I never gave consent or permission This is identity theft/fraudulent per the 15 USC 1681C-1 AND 15 USC 1681C-2 this information is to be deleted and blocked. 
XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX These are also violations of 15 USC 1681s-2a1a and 15 USC 1681eb . These are classified by the IRS as " income '' and income isn't to be reported on a consumer credit report and this violates 15 USC 1681 ( 2 ) ( a ) \ ( 1 ) stating to exclude any transactions or " experiences '' between the consumer and the person making the report from the consumer report. 

There is also a billing error on my self lender account. The late payments for XXXX and XX/XX/year> are a violation of 15 USC 1666b.

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 2024-03-01 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: PA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance CAS, LLC
State: GA

Complaint narrative:
Company bought my information from property HOA company which violates my consumer rights to privacy and also violates privacy information act. Also they arent licensed to collect a debt In the 50 states/territories of the USA. Debt isnt covered under FDCPA and debt can not be verified via wet ink signature or my consent or my authorization

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 2024-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have 3 AMEX gift cards with balances of {$20.00} {$140.00} and {$290.00} I have not been able to use the card online. Several times I thought the card worked only to find my personal account was billed as a back up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 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: OH

Complaint narrative:
These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! XXXXThey keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX Balance {$4400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$260.00} Date Opened XX/XX/XXXX XXXX XXXX - XXXX Balance {$1600.00} Date Opened XX/XX/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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my 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 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SECURITY FINANCE CORP
State: OH

Complaint narrative:
On XX/XX/XXXX, my boyfriend XXXX and I went to go see if he can get a vehicle. We went to XXXX XXXX XXXX XXXX, and after getting all the required documenations that they needed, XXXX the sales rep, came back to us and said XXXX was approved for a vehicle but would need a co-signer. I volunteered to be his co-signer. XXXX then goes to the finance guy XXXX and comes back with good news, we got the loan approved but the way we did it was XXXX ( me ) will be first and XXXX will be the on the backline ( co-signer ). We agreed on {$700.00} down for the XXXX XXXX XXXX XXXX, and I signed the Bill of Sale, Sales Contract, Finance Contract, and requested my insurance company XXXX to add the XXXX XXXX  on to the insurance with Full coverage and a {$500.00} deductible. 2 weeks go by, and they wanted 3 bank statements. I then sent over the bank statement and XXXX said everything was good to go. About 1 week, before my first Payment is due on XX/XX/XXXX, XXXX texted and said I owed him {$300.00} and to send to this cashtag XXXX XXXXXXXX. and I was confused and asked what the reasoning was and XXXX stated pay the money and youll be just fine. I was going along with it at first but then when I started reading the contracts and talking to XXXX asking why we owe, nothing nor XXXX or anyone could state we owed {$300.00}. I tried calling the financial company PFS and they are not willing to give me any information about the {$13000.00} loan the approved in my name, I am not being told how I can pay the loan and just being told by the dealship to call the bank and the bank tells me to call the Dealership. The credit was reported to the Crefit buerus on XX/XX/XXXX. It is active an open. XXXX and the bank XXXX XXXX, have said because Im trying to turn this into a problem or legal problem, they want the car back and they are claiming my employment cant be verified, my employment has called them multiple times and verified my employment and both of them have been very disrespectful. XXXX is constantly texting me using scare-tactics, and claiming which charges I will be charged with. I have paid my down payment, my insurance, I got the bill of sale, Finance Charge Contract, and the Terms and Conditions, the POA was signed to get plates into my name, and was given both Admin Keys to the vehicle. I have reached out to muiltipe attorneys to get legal advice and other Crediortors which have confirmed the loan was indeed approved. It is now 2 days past my first car payment, and no one is still giving me any information on paying my payments. XXXX stated that he will legally get the vehicle back by telling XXXX XXXX XXXX to send the loan back and/or delaying the information needed for me to pay my vehicle so it can be easily repod. Since then I have made it clear I am getting an attorney,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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

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 2024-03-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is inaccurate information in my consumer report that misrepresents my credit report. This report is incomplete and therefore inaccurate and hurting my ability to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: PA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-03-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Cease and Desist Unauthorized Credit Reporting Adherence to FCRA and Texas Identity Theft Laws Dear WELLS FARGO, I am reaching out to address a concerning issue regarding unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Texas Finance Code Sections 392.301 and 392.305, alongside pertinent identity theft laws, particularly Texas Penal Code Section 32.51 . 

It has recently come to my attention that WELLS FARGO has been engaging in unauthorized reporting to my credit report without obtaining my explicit consent. According to federal law, as stipulated in the FCRA, consumer consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Texas state law, specifically Section 392.301 of the Texas Finance Code, underscores the importance of consumer consent for credit reporting. Additionally, Section 392.305 of the Texas Finance Code provides clear directives for the fair reporting of consu
mer credit information. Concurrently, identity theft laws, such as Texas Penal Code Section 32.51, emphasize the gravity of unauthorized access and misuse of personal information.

I wish to unequivocally assert that I have not granted consent for WELLS FARGO to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially resulting in harm to my creditworthiness and demonstrating a complete disregard for federal and state laws.

I demand, with absolute certainty, that WELLS FARGO promptly ceases any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to adhere within the designated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under relevant laws, including those pertaining to identity theft.

It is imperative to recognize that obtaining consent is not discretionary but rather a legal obligation under the aforementioned sections of the FCRA, Texas state law, and identity theft statutes. This is not a negotiation ; it is a demand for compliance with both federal and state regulations aimed at safeguarding consumers like myself from unwarranted and detrimental credit reporting practices.

I anticipate your immediate attention to this matter and trust that WELLS FARGO will expeditiously rectify these egregious violations, thereby upholding my rights under federal and state laws.

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