vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: MN

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. ''

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 2025-02-06 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: MN

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. ''

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TX

Complaint narrative:
NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING HARM NOTICE INTENT TO SUE REPEATED OFFENDER AFFIANT : XXXX XXXX XXXX XXXX XXXX XX/XX/year> DEFENDANT : TRUE ACCORD # XXXX BOND SUITCASE GO AFTER TRUE ACCORD BONDS TO SUE XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX??? 
ALLEGED DEBT AMOUNT OR BALANCE XXXX??????? 
TO CONSUMER REPORTING CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : TRUE ACCORD CORPORATION -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692 [ I NEVER gave your company consent to use this account XXXX XXXX XXXX IN XXXX ] EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE XXXX XXXX XXXX XXXX XXXX, YOU HAVE 3 DAYS TO DAYS TO DELETE IN RECEIPT AFFIANT .XXXX XXXX XXXX XXXX Living woman far from being dead Beneficiary OF XXXX XXXX XXXX not TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX my bank Well Fargo wrongfully closed my account. I was accused of having unauthorized XXXX payments on the account even though there was legit XXXX from my mother and girlfriend. I called the bank and everyone told me different storys of why the account got shut down it was very unprofessional because why is everyone telling me something different. So I had my girlfriend and mother called their banks and there was no files claimed against me on there end. So Wells Fargo banks lied to me about the claims. I feel like they are racially profiling and thats not fair I work hard for my money and get up every morning to provide for myself family. They now have my funds on hold and wont release it to me.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I paid off a loan with XXXX XXXX ( refinanced with XXXX ) at beginning of XX/XX/scrub>XXXX XXXX. I received my payoff letter soon thereafter. I noticed that my credit report was reporting that I still had an open account with XXXX but them my credit got hit because it looks like I haven't paid them off. So the new loan is showing but still XXXX XXXX  months later it still hasn't been removed. I then disputed with all 3 credit bureaus and everyone reviewed what i submitted and closed the account except experian. Not only did they not remove it thru actually said it was reporting correctly and marked me as making a payment for XXXX. It's affecting my credit score because they will not remove the incorrect. I do not believe they even investigated it as the other two reporting bureaus took it off.

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 2025-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, Alleging systematic issues such as failing to forward consumer-provided Evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected or removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates Federal law and rights as a consumer. 

The following Account attached : 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 2025-02-06 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Harris & Harris repeatedly calls me and sends me numerous text messages regarding a tollway debt supposedly owed by my mother, XXXX XXXX. I have asked them to stop contacting me regarding this debt. I have also opted out of their repeated text communications by texting STOP, but they this unwanted contact persists. Their contact information is as follows : Telephone- XXXX Text- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MN

Complaint narrative:
In the last month, from XX/XX/XXXX to XX/XX/XXXX, I have had 3 unauthorized transactions from my checking account, ranging from {$49.00} to {$160.00}. I was issued a new debit card and the following day after getting the new card, it had already been used again out of state ( not by me, the cardholder ). 
I filed 3 separate disputes with these transactions, since I was not the one to make the transactions, two of which were resolved and the other was not.

I am just confused as to why and how my account is being hacked 3 times in a month and how I end up being out over {$200.00} when I wasnt the one making the 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 2025-02-06 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: TX

Complaint narrative:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Here is a sample dispute letter you can use to correct the inaccurate address information on your credit report : With all three credit bureau XXXX, experian, XXXX Subject : Dispute of Inaccurate Address Information on My Credit Report I am writing to formally dispute inaccurate address information listed on my credit report. Upon reviewing my report, I noticed that the following address are incorrect or outdated and should be removed or updated : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The correct and current address for me is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I have attached copies of supporting documents to verify my current address attached Please investigate this matter and update my credit file accordingly. I request a written confirmation once the correction has been made.

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 2025-02-06 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:
XXXX XXXX XXXX Account number XXXX Account type XXXX Loan Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$53000.00} Balance updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment {$1000.00} Original balance {$73000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experain, Transunion, and Equifax Request for Removal of Incorrect Information Based on Metro2 Standards Dear Sir/Madam, I am writing to formally dispute an account that is being incorrectly reported on my credit file in violation of Metro2 standards. The account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Report : XXXX and XXXX XXXX as well as payment history and amount off by a couple of dollars Upon reviewing my credit report, I believe that the information being reported is inaccurate or misleading due to [ explain the error in detailexamples could be : incorrect balance, wrong account status ( e.g., marked as delinquent when it was paid off ), or a payment history mistake ]. According to Metro2 standards, data furnishers must report accurate and complete information, and it appears that in this case, the reporting entity has failed to do so. 

Under the Metro2 guidelines, data reported to the credit bureaus must be accurate and properly reflect the true status of the account. This error is a violation of the Fair Credit Reporting Act ( FCRA ) and must be corrected or removed. 

I am requesting that this account be thoroughly investigated and removed from my credit report, or that the inaccurate information be corrected as required by Metro2 guidelines. 

For your reference, I have enclosed the following documentation to support my dispute : Please provide me with confirmation once this matter has been investigated and resolved. I expect to receive an update regarding this dispute within the statutory 30-day period. 

Thank you for your prompt attention to this matter. Should you need additional information, feel free to contact me. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX also inquiries Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX as well as correcting my information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX That the only information that should be reporting on my credits bureaus Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief