vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The XXXX XXXX XXXX has committed securities Fraud, violated my consumer rights as well as, violating the Consumer Rights Act, Federal Reserve Act, The Security Exchange Act and, The Truth in Lending Act, etc Please refer to the attached documents for full details on the stolen securities as well as the Security Exchange Act violation, consumer violations, etc.

I intend to bring federal claims for these violations, I have offered correspondence to the company but, the company is not taking this serious at all, I can provide the derogatory response from WELLS FARGO COMPANY upon request.

This company is in difference with my position so I don't intend to play games with this financial institution, I reviewed what happened during Wells Fargo class action DATA BREACH LAWSUIT, the wells Fargo financial institution agent as well as their legal team is belligerent and non-compliant, I don't wish to experience this so, I am going straight to Federal District Court bringing claim of Securities Fraud, Consumer Rights Violations, T.I.L.A Violations etc.

I have yet to receive an answer to my correspondence about my stolen securities i have already received a response from a XXXX XXXX on XX/XX/year> noting receipt of my Notice but XXXX response to the matter. 

I sent the Notice to this XXXX XXXX and they received and signed for it on XX/XX/year>, today is the XXXX XXXX XXXX as you can see XXXX weeks have passed and no answer from the company. 
i alresdy know this company is stealing from me, I have all proofs and documented evidence and, I have provided this proof to the Financial Institution and all regulatory authorities so, I am proceeding with my Federal Claims in Federal District Court then the Supreme Court of The United States we will public since this seems like a joking matter to The Wells Fargo Company, any delays are unacceptable, I didn't shock this financial company and its agents with this claim, THEY ARE VERY AWARE THAT THIS IS NORMAL OPERATION AT WELLS FARGO, so It matters not how long this company takes to respond to my correspondence, tHE FRAUD HAD ALREADY BEEN COMMITTED, the fraud was committed when Wells Fargo and company denied me ( the consumer ) my right to extend my consumer credit, then again by your company claiming to be the original issuer of the note, then again when your company sent my note with its ACCOUNTS RECIEVABLE to the Federal and told the Board of Governors that I gave my securities to your company as a gift, LIES AND DECEPTION so therefore I am bringing claim in federal district court against WELLS FARGO & COMPANY and its agents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously disputed this item with XXXX, and Experian which all came back saying verified and accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureaus for that matter ; therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. {$1600.00} ) and the information must be deleted immediately. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion, XXXX, and XXXX continue to report the account listed as XXXX  Acct # XXXX incorrectly. There are several inconsistencies within the account itself and the information being sold from XXXX is incorrect which has now lead to a civil dispute between the parties. Transunion, XXXX, and XXXX do not have access to my personal financial records and therefore can not legally or lawfully verify information. The only reason each credit bureau continues to state the information is verified is because of the financial gain that each company gains. TransUnion, XXXX, and XXXX are domestic profit companies which means they exist solely to make money. These companies buys information from vendors they rely on to verify information but this information can not be verified unless the consumer verified it. I have done no such thing and no reasonable investigation has been done. There are several inconsistencies within the account like date opened, number of months, high credit, last reported. comments are incorrect, date last active, and date of last payment. Since these items are not the same how in the heck are they supposedly verifying one account three different ways. It is so obvious they are not actually doing an investigation into my claims. Also these companies are clearly ignoring law and when sued denying any wrong doing like XXXX that I am currently in litigation with and their attorney has denied all my claims when clearly the evidence is in their face. These companies can not verify any information because these are NOT people but corporations created to make money by selling information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion and XXXX are reporting an account that is incorrect. The account in question is XXXX XXXX Acct # XXXX I have previously disputed the same information with Transunion and XXXX and they alleged to have verified the account but XXXX was unable to and removed the account. It is quite clear that neither business can verify the information but instead make claims to have verified the information since from the beginning I have stated that this account was fraudulent. I never signed any contract with this business. This is my last attempt at trying to save us all money before this turns into a civil lawsuit which you will lose because no one will verify this information under penalty of perjury. I will seek default summary judgement because this is my attempt at trying to work this out. XXXX I have already sued you in court and awaiting award.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt 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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Perpay, Inc.
State: CA

Complaint narrative:
Perpay approved me for a credit card with a {$500.00} limit. You have to set up a direct deposit with them first if at least XXXX dollars a month. I set up that direct deposit and the money was taken out of my paycheck. The card was still set at a pending status even though they say they will ship the card after the payment is made. When I went to try and contact the company about the issue they never got back to me. I emailed them and texted the email and number I found on the website but got no reponse for days after I made the payment. Then when they did reply asked me to verify where I had the direct deposit set up so they can make sure I entered to correct account numbers and whatnot and sure enough I did. They proceeded to tell me that they did not receive any payment and they wont ship the card even after proved that the payment was made and to the account numbers given to me by Perpay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I made dispute to XXXX XX/XX/year> On accounts of XXXX XXXX XXXX  for {$19000.00} and removal of unknown source and laws attached. Action was taken to close account on XX/XX/year> but did not remove it from my account. 

I made dispute to XXXX XX/XX/year> On account of XXXX XXXX for {$5800.00} claiming that removal of unknown source and laws attached. Action was submitted that account closed on XX/XX/year> but did not remove from my account. 

These are laws attached If a consumer notifies a debt collector That a consumer refuses to pay the debt the collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have been getting constant harassing phone calls regarding this debt, for years now. I have told them I have no idea about the debt, and to remove me from the call list and erase this account but they refuse and relentlessly Harass me with none stop calls from morning to when Im at work, to when Im with my family. It has caused me tremendous emotional distress and trauma as well as embarrassment and anxiety. They use different numbers and have cost me business opportunities due to me answering and them using harassing and vulgar languages. I want this to stop for my mental sanity and financial health!.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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:
I have a block on my credit report stating " Blocked for promotional purposes ". I am a veteran trying to purchase a home and my credit report through equifax can not be obtained due to this block. I have called numerous times and was told this block was removed but it wasn't. I have sent a letter with my identity to verify who I am to unblock it with no response. The block is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Ss # XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts under 15 USC 1681c-2 ( a ) Dear XXXX, I am writing to request the blocking and permanent deletion of fraudulent accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ). I have been a victim of identity theft, which I believe occurred as a result of the data breach involving XXXX. 
Below are the accounts that have been fraudulently opened in my name and that I request be immediately blocked and deleted : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Reported : {$1100.00} I have enclosed a copy of my identity theft report filed with the appropriate authorities, along with other supporting documentation ( e.g., a police report, FTC Identity Theft Report ) to verify my claim. 
Under the FCRA, XXXX is required to block the reporting of information that resulted from identity theft within four business days of receiving my request and supporting documentation. Therefore, I kindly ask that you : 1. Block the reporting of the above accounts. 
2. Delete any references to these fraudulent accounts from my credit file. XXXX. Send me written confirmation of the actions taken. 
If you require additional information or documentation to process this request, please contact me promptly at the details provided above. 
Thank you for your attention to this matter. I appreciate your cooperation in protecting my credit file from further harm caused by identity theft. 
Sincerely, 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 2024-11-21 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: IL

Complaint narrative:
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 Subject : Request to Block and Delete Fraudulent Accounts under 15 USC 1681c-2 ( a ) Dear XXXX, XXXX am writing to request the blocking and permanent deletion of fraudulent accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ). I have been a victim of identity theft, which I believe occurred as a result of the data breach involving XXXX. 
Below are the accounts that have been fraudulently opened in my name and that I request be immediately blocked and deleted : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed a copy of my identity theft report filed with the appropriate authorities, along with other supporting documentation ( e.g., a police report, FTC Identity Theft Report ) to verify my claim. 
Under the FCRA, XXXX is required to block the reporting of information that resulted from identity theft within four business days of receiving my request and supporting documentation. Therefore, I kindly ask that you : 1. Block the reporting of the above accounts.

2. Delete any references to these fraudulent accounts from my credit file. 3. Send me written confirmation of the actions taken.

If you require additional information or documentation to process this request, please contact me promptly at the details provided above.

Thank you for your attention to this matter. I appreciate your cooperation in protecting my credit file from further harm caused by identity theft. 
Sincerely, 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 2024-11-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NV

Complaint narrative:
During Month of XX/XX/year>, work slowed down so I filed for a forbearance to save both my house and my credit. Asked the associate if this would affect my credit and was told no. Forbearance didnt go through until the month of XXXX. Credit was dinged for it. Forbearance was good till XXXX. Called them in the beginning of XXXX to lift forbearance and find out what to do with the missing payments for XXXX through XXXX. Went ahead and had a partial claim established. Was told to not make payments until it is finalized. So I didnt make a payment for XXXX, then they decided to ding my credit again. So I decided to resume payments. Paid for the month of XXXX, they took the money out of my account but it didnt register on their end until after it was due and dinged my credit again. The house has been sold and Im desperately trying to get into a new home. No lenders will approve me with this on my report. Mortgage payments were {$1400.00}

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