vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please consider the attached letter as my formal dispute of these accounts under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of my credit report highlighting the disputed accounts, along with any supporting documentation relevant to this matter. These accounts are negatively impacting my credit rating, and I am formally requesting verification of their validity and accuracy as detailed in the attached notice, pursuant to the FCRA, 15 U.S.C. 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act 's provisions regarding permissible purposes for furnishing credit reports, specifically as outlined in 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 

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  These inquiries were made without my knowledge or consent, and I do not recall authorizing these to access my credit report. Under the FCRA, consumer reporting agencies are not permitted to furnish personal credit information without a valid permissible purpose. I believe this inquiry was made without a permissible purpose and therefore request its removal from my credit report. 

Please investigate this matter within the statutory period of 30 days as required by the FCRA and confirm in writing to me that this inquiry has been removed.

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 2024-12-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XX/XX/year>, my personal information were compromised by By XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 's database ( including several other companies ). My private information that was released on the dark web included. My full name, mailing address, social security number, my phone number, date of birth, and credit card number. Unaware of the data breach. I wasn't able to take full action quickly to protest my credit. Furthermore, there are inquiries on all three credit reports I didn't authorize. I'm requesting assistance in this matter. To remove these quickly and efficiently. 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 explanation
Consumer complaint received 2024-12-06 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
On XX/XX/year>, I had noticed some unusual activity on my just recently opened bank account with Wells Fargo. By this time my account as well as one of my family members accounts were drained until overdrawn. There was over {$6000.00} of unauthorized transactions held on my account. The transactions were made on a family members XXXX XXXX XXXX Account, whose information also was stolen and was used fraudulently to place bets. Immediately my first response was to report it to My bank. So I went ahead and reported over 30 unauthorized transactions that amounted to over {$6000.00}. After waiting a grueling 10 days of what Wells Fargo claims to be a thorough investigation, I finally received an update on the disputes only to find out that Wells Fargo claimed they couldnt find any errors and are unable to return the stolen funds. Over This short period of time I was unable to pay my rent, that i was past due, which resulted in me and my family and i being evicted from our apartment. This event has also made me unable to pay my phone bill, disconnecting my service. I also own and operate a family business that currently has our customers remodeling projects in a postponed period, due to the funds from my bank account being stolen and unrecovered. As you can see this matter Has not only affected me, but my clients as well. During this time Wells Fargo has aware of all of the inconveniences that I have been caused because of their negligence to secure my account. Ive Demanded the return of my money from both the merchant that accepted these transactions as well as my bank who permitted them. I have yet to receive any kind response from XXXX XXXX XXXX XXXX concerning the dispute, after multiple attempts that include emails and phone calls. Also after speaking with Wells Fargo over the phone and having them tell me they were unable to find any errors. I tried to log into my bank account and oddly enough, my Face ID, and login credentials did not allow me access to my account. I called Wells Fargo right after this and they told me the only way I can verify my identity is with a one time passcode from my phone number. They told me this after notifying them that my phone number was disconnected and them already have verifyed my identity on multiple occasions via email one time passcode throughout the past week that the investigation took place. Furthering my inconvenience in this matter. 
Im not sure of what other steps I need To take. But Wells Fargo XXXX XXXX XXXX XXXX XXXX has had me homeless phoneless and out of money for over a week.

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 2024-12-06 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is not showing accurate credit status and not showing accurate credit score!! 

All XXXX student loan information has ALL been deferred under the XXXX Forgiveness Program. And will eventually all be dismissed.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX  Account XXXX  Reason for disputeXXXXUNVERIFIED NOT MINEXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Equifax, I am writing to dispute inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The disputed information is as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number:XXXXXXXX XXXX Nature of Dispute : Inaccurate reporting of late payments and account status Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information reported ( 15 U.S.C. 1681e ( b ) ). However, my credit report contains the following inaccuracies : XXXX. The account reflects three late payments, but I believe these are erroneous as I made consistent payments, including on XX/XX/XXXX, as shown in the attached documentation. 
XXXX. The account is listed as closed as of XX/XX/XXXX, which contradicts payment activity after this date. 

These inaccuracies are damaging to my creditworthiness and are a direct violation of the accuracy and dispute resolution requirements of the FCRA ( 15 U.S.C. 1681i ). 

I am requesting that you : XXXX. Investigate this account thoroughly : as required under 15 U.S.C. 1681i. 
XXXX. Provide written confirmation : of the results of your investigation. 
XXXX XXXXRemove or correct all inaccurate information** within the legally mandated 30-day timeframe.

If this information can not be verified, it must be promptly deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to address this dispute adequately may result in further action to protect my rights under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Thank you for your prompt attention to this matter. I look forward to your written confirmation of receipt and a resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX credited money back to my card ending XXXX with Wells Fargo bank there were XXXX transactions that were credited back to my account that had been closed a month prior Wells Fargo was supposed to reject the fund so it would go back to XXXX and end up with my XXXX balance, but XXXX says that they have never received the funds back. Its {$3100.00} total that I am missing. Ive spoke to Wells Fargo multiple times and they cant provide me any trace numbers of when they were sent back to 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 2024-12-06 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: FL

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IMMEDIATELY IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED New Inquirie Date XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  # XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXXXXXX Auto Dealers, New XX/XX/XXXXXXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX Mortgage Companies - Finance XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXXXXXX XXXXXXXX Late Payments XXXX XXXX Late Payments 15 U.S.C, 1681section 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 an 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 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$510.00} XX/XX/XXXX XXXX  XXXX {$510.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED New Inquirie Date XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX/XXXX  Auto Financing XX/XX/XXXX XXXX XXXX  Auto Loans XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  # XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX  XXXX Auto Dealers, New XX/XX/XXXX XXXX  Personal Loan Companies XX/XX/XXXX XXXX  Personal Loan Companies XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX/XXXX  XXXX Late Payments XXXXXXXX XXXX Late Payments 15 U.S.C, 1681section 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 an 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 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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MD

Complaint narrative:
The purchase package has shipping/delivery issue with merchant and merchant refused to refund. The bank company also refused to dispute charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Unauthorized Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/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