vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: VA

Complaint narrative:
The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Resurgent Receivables Collection amount of {$940.00} XXXX XXXX XXXX Collection Collection amount of {$1000.00} First Premier Credit Card Balance of {$550.00} DEPT OF ED/XXXX - {$1800.00} DEPT OF EDXXXX  XXXX XXXX In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts.

As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX ] or [ XXXX ] if you require any additional information or documentation.

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 2024-10-28 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: VA

Complaint narrative:
The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Resurgent Receivables Collection amount of {$940.00} XXXX XXXX XXXX Collection Collection amount of {$1000.00} First Premier Credit Card Balance of {$550.00} DEPT OF EDXXXX  - {$1800.00} DEPT OF ED/XXXXXXXX XXXX XXXX In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions. 
15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts. 
As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX ] or [ XXXX ] if you require any additional information or documentation.

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 2024-10-28 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: TX

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2024-10-28 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: CA

Complaint narrative:
This is my second complaint against Wells Fargo. the first was closed because they gave an answer but no resolution. on XX/XX/XXXX XXXX of my accounts were hacked business checking and personal savings and XXXX wire transfers for {$25000.00} each were made out of my account to XXXX accounts in a XXXX  XXXX XXXX. They said they could not reclaim the funds even though we reported it within XXXX half hour of the wire transfer being done. I contacted B of A as I have an account there as well they said to have the case reopened. I did and it was another XXXX weeks before I could get any information as to who and account numbers and names for the police report. They would not give me the recipient 's names and addresses as asked for by the police. I faunally got the names and account numbers on XXXX on XXXX I was told that the funds were all depleted and they were going to close the case again. I then reached out to XXXX XXXX XXXX through my financial manager for my XXXX and Retirement account ( with XXXX XXXX ) after a few days I was told that {$23000.00} was recovered and sitting in a hold harmless account and that Wells Fargo never contacted them for recovery. I called the fraud department again and asked for a new case number and gave them all the information from XXXX XXXX XXXX. As of XX/XX/XXXX no contact I called Wells Fargo again and was tolld no information that the reached out XXXX did not hear from XXXX XXXX XXXX. I called XXXX XXXX XXXX and asked them to follow up with this information. I believe neither Bank si communicating with each other. I i informed them of the fraud within XXXX hour how could they not hold the funds until it was checked out, why not give me the information for th police and if the funds that are available are sitting ther why does it take so long to get them back. XXXX XXXX XXXX tell me they have fraud insurance to cover this Well 's Fargo says it not covered because codes were sent to my phone, I informed them that my phone was also hacked I could call out but could not get calls until I went to XXXX XXXX XXXX to unlock my phone on XX/XX/XXXX. no one knows what the other bank is doing there is no communication between them and me. They don't care.

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 2024-10-28 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: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-28 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: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-10-28 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: NC

Complaint narrative:
I'VE SOME RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-10-28 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 XXXXXXXX

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 2024-10-28 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: NC

Complaint narrative:
On XX/XX/XXXX I entered the Wells Fargo branch at XXXX XXXX XXXX, XXXX, NC XXXX and paid to have 3 checks printed for me, I immediately filled out 2 of those checks totalling {$1500.00} for my new landlord. One for the security deposit ( {$1100.00} ) and one for half a month of rent ( {$400.00} ). The following Tuesday at XXXX XXXX  I was contacted by Wells Fargo asking if I recognized the checks, I responded at XXXX XXXX  that I did recognize the checks, after confirming that I wrote the checks Wells Fargo responded that they did not require any additional action on my part. On Friday of that week I heard from my landlord that the checks had bounced due to mismatching signatures and that not only did I need to write new checks, I was also responsible for the {$50.00} fee that was issued because the checks were refused. I resolved to talk to my bank Monday because not only did I acquire those checks in person the same day I wrote them, but I also later affirmed to Wells Fargo that I wrote them when they came Into question the following Tuesday. When I went into Wells Fargo in person I was informed they couldn't waive the fee because it was my landlords bank, XXXX XXXX, that made the final determination and issued the fees, then when speaking with a banker at XXXX XXXX  I was told they would not waive the fee because Wells Fargo had made the determination that the signatures did not match well enough. I made one final call to Wells Fargo customer service where they were extremely unhelpful and borderline belligerent where it became obvious that they would not do anything about the fee and only wanted me to give up. 

In conclusion, I bought the blank checks in person, wrote them the same day, immediatly confirmed I wrote them when contacted by Wells Fargo, and now am being held responsible for a fee because of a mistake that happened between the banks, and neither bank wants to do anything to resolve the issue

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 2024-10-28 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: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I am writing to formally request validation of the debt referenced in your recent correspondence regarding an account originally held with FirstMark Services in the amount of {$4900.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( FirstMark Services ). 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
I dispute the validity of this debt and request that you cease all collection activities until you provide the requested validation. Additionally, please refrain from reporting this debt to credit bureaus during this verification process. 

Given the circumstances surrounding this matter, I believe that an immediate deletion of this debt from my credit report is the fair resolution. Since I have requested validation of the debt, and until adequate documentation is provided to verify its legitimacy, continuing to report this debt could be considered inaccurate and harmful to my credit standing. Therefore, I respectfully request that you take prompt action to delete this account from my records as a just resolution to this dispute. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2024-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Company has account listed as a charge off on my credit report. Company is still requesting funds for remaining balance. It is my belief that the company has wrote the loss off on its taxes and still requesting money for vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
XXXXXXXX XXXX XXXX  Account Number : XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/XXXX these account was opened and furnace as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.

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