vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Below is a copy of the correspondence sent to Wells Fargo. 

Customer Service Department Wells Fargo : I am writing to address a matter of significant concern regarding my account with Wells Fargo. It has come to my attention that unauthorized activities have occurred on my account, including enrollment in various banking products without my explicit consent continues. 

I want to stress that I did not authorize Wells Fargo or any of its partners to monitor my credit, share my information with other entities, or enroll me in any additional services. It is deeply troubling to discover that my privacy and autonomy have been compromised in such a manner. 

I continue to receive notifications about changes to my account. This ongoing breach of trust has caused me significant distress and inconvenience. I recalled years back both my daughter and I received notification regarding a XXXX XXXX XXXX, and submitted a claim, but never received information on its resolution. 

I am aware of the XXXX XXXX XXXX XXXX XXXX and believe that both myself and daughter ( I was co-owner on her acct ) are eligible for compensation as a result of the unauthorized activities that have occurred on the accounts. I have been a customer of Wells Fargo for over 20 years. 

I am formally requesting that Wells Fargo take immediate action to rectify this situation and provide me with the compensation that I believe I am entitled to under the XXXX XXXX XXXX XXXX XXXX, and immediately cease XXXX XXXX XXXX. 

I trust that Wells Fargo will handle this matter with the urgency and seriousness it deserves. I look forward to receiving confirmation that my concerns have been acknowledged and addressed promptly. 

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 explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
Requested an agreement with my sign of nature agreeing to pay this alleged Debt to I.Q. data international debt collection. 2. what is the definition of the debt your trying to collect and valid reasons why iq data international isnt abiding by the United States consumers codes and UCC codes and last a reason for each USC and UCC that is stated in this complaint to be addressed. 3. Theyre in violation of multiple15 usc codes 1680b 1681b 1692c ( c ), ucc 1-308 I have never had a contract with a XXXX XXXX. Per the15 usc 1581b, 15 usc 1681.15 usc 1681b. please provide the original contract between XXXX XXXX and XXXX XXXX. This is innaccuate information being reported and this is a direct violation of 15 usc 6801 ( a ) YOU CAN NOT GIVE ANYONE ACCESS TO MY INFORMATION IF I DIDNT GIVE WRITTEN CONSENT TO DO SO. 
2. Define the term debt UCC 1-308 Without prejudice I did not enter into any agreement with this company nor sign any contract with them. Provide my signature agreeing to pay you on a contract from I.Q. Data international or delete this from my report. 

15 usc 1692c ( c ) I refuse to pay this alleged debt. Also reserve my rights under ucc.1-308 I do not consent to this debt nor proceedings unless there is my sign of nature proving I entered any agreement with I.Q. data international, or I will seek litigation for the multiple United States consumer codes you are in violation of. Delete from my consumer report immediately. 

In pursuant to 15 usc 1681A and all sub chapters applicable. It states you must exclude any information from my consumer report that is INACCURATE OR INCOMPLETE YOU HAVE VIOLATED FEDERAL LAW WITHIN THE FRCA AND FURNISHED MY INFORMATION INACCURATELY AND ALSO DID SO WITHOUT MY CONSENT. 

Meaning another violation of 15 usc 1681a ( iii ) it must be clearly specifically disclosed to the consumer. Abide by all United States consumer code demands or I will send letters of litigation. I the consumer was never clearly informed about entering into any contract with I.Q. data international nor the alleged original creditor XXXX XXXX. I demand the original agreement of alleged debt between XXXX XXXX and XXXX XXXX to be given over and the original agreement between I.Q. data international with my signature to validate this debt. 
Delete from my consumer report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
According to Credit Law 15 U.S. Code 1679c - Disclosures, " The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. '' As of XX/XX/XXXX, I have a closed car loan from XXXX XXXX XXXX XXXX that is over 7 years old and has not been removed from my credit reports. The account was opened XX/XX/XXXX and has been removed from my XXXX report ONLY but still remains on my TransUnion and XXXX credit reports. The account was last updated XX/XX/XXXX. 

XXXX ( XXXX. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) AND the Fair Credit Reporting act, I invoke my right to demand that this closed account is DELETED from my credit reports with the XXXX major bureaus ( XXXX, TransUnion, and XXXX ) as the 7 year mark has passed.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to Credit Law 15 U.S. Code 1679c - Disclosures, " The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. '' As of XX/XX/XXXX, I have a closed car loan from XXXX XXXX XXXX XXXX that is over 7 years old and has not been removed from my credit reports. The account was opened XX/XX/XXXX and has been removed from my XXXX report ONLY but still remains on my XXXX and Experian credit reports. The account was last updated XX/XX/XXXX. 

XXXX ( XXXX. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) AND the Fair Credit Reporting act, I invoke my right to demand that this closed account is DELETED from my credit reports with the XXXX major bureaus ( XXXX, XXXX, and Experian ) as the 7 year mark has passed.

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 2024-06-20 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:
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 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 2024-06-20 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: NC

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 non-monetary relief
Consumer complaint received 2024-06-20 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
When reviewing my credit report in XXXX 2024, I noticed a synchrony bank account on it that I never opened. It was a huge amount ( close to $ XXXX ) that I was shocked to see as I hadnt opened it and had never seen information about it. I never received statements, emails, calls, anything. 

I have filed police reports ( locally and with the FTC ), frozen my credit, and contacted all XXXX credit bureaus. Synchrony still wont accept that the account is fraudulent and wont provide information about the opening of the account ( including signature pages ) or proof that the statements were sent to me. I do know that that synchrony claims I made payments from a bank in XXXX, XXXX, a place I have never been and to which I have no connection. Synchrony will not send information about the bank the payments were made from. It wont provide signatures used to open the account. It wont provide merchant information about what was purchased to create a $ XXXX bill. It wont give any information despite my many requests for such information. 

I did not open this account, know of its existence before I saw it on my credit report, use the account or make payments on the account. Ive been disputing it since the day I discovered it. I dont know what else to do. Synchrony wont answer my questions or remove it from my report. Please help.

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 2024-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have never opened accounts with XXXX and XXXX XXXX XXXX They were opened fraudulently. I did not sign or authorized any documents to open the credit accounts listed below. 

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 non-monetary relief
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
I've noticed unfamiliar items on my credit report that I didn't authorize. It appears my identity may have been compromised, as I did not approve these accounts. I've raised this issue previously and now urgently request that these accounts be promptly removed from my report. Their presence is causing significant stress as they do not accurately reflect my credit history or financial management. Dealing with this situation has been challenging. 

If we can not resolve this matter swiftly, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous entries are severely impacting my financial goals, such as purchasing a home and supporting my family. I sincerely hope for a prompt resolution to this 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 non-monetary relief
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
I've noticed unfamiliar items on my credit report that I didn't authorize. It appears my identity may have been compromised, as I did not approve these accounts. I've raised this issue previously and now urgently request that these accounts be promptly removed from my report. Their presence is causing significant stress as they do not accurately reflect my credit history or financial management. Dealing with this situation has been challenging. 

If we can not resolve this matter swiftly, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous entries are severely impacting my financial goals, such as purchasing a home and supporting my family. I sincerely hope for a prompt resolution to this 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 non-monetary relief
Consumer complaint received 2024-06-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( BALANCE {$5800.00} ) has violated my rights. 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 Thank You 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 2024-06-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( BALANCE {$5800.00} ) has violated my rights. 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 Thank You XXXX # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have multiple hard inquiries on my credit report. I did not authorize any of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have multiple hard inquiries on my credit report. I did not authorize any of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NM

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 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 2024-06-20 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: NM

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 non-monetary relief
Consumer complaint received 2024-06-20 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: Premium Credit Bureau
State: CA

Complaint narrative:
On XX/XX/year> Premium Credit Bureau LLC performed a hard inquiry on my credit report. I am extremely careful about the information on my credit report and the accounts that are open. Recently, I checked my credit report on the XXXX website and discovered that Premium Credit Bureau LLC had checked my credit. Before this, I had sent them multiple letters asking them to please provide me with the correct and proper documents showing that I was the one who applied with them, but they have failed to do so. Please see the attached FTC report at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: DISCOVER BANK
State: AR

Complaint narrative:
Proof of validation and verification of debt with full name and address and if charged off, I never received XXXX. 
DISCOVER BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with XXXX  XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation