vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to the Family educational rights and privacy act ( FERPA ) and under 20 USC 1232 ( g ) ( b ) this agency is not permitted to under ( FERPA ) to have access educational records. When I enrolled in school I also signed a Privacy Act form that said the school will not provide my transaction history, which would be defined as what I owe, to any 3rd party companies. Per the FCRA and as federally protected consumer I demanded my student loans be removed under 20 USC 1232g ( b ) and under 5 USC 552a The Privacy Act of 1974. This a repeated attempt to remove this information from my consumer report.

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 2023-12-19 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: NY

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-19 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: NY

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: NJ

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Negatively Reporting Remarks, Late Payments, and Closed Accounts To Whom It May Concern, I am writing to you in response to the recent settlements between TransUnion LLC and the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ). It has come to my attention that these settlements pertain to willful negligent practices, which directly impact consumers ' credit reports and financial well-being. 

As a consumer affected by TransUnion 's reported violations, I demand immediate action to rectify the negative impact on my credit report. Upon reviewing my credit report, I have identified several entries that are inaccurately reported, including but not limited to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, credit card usage for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX. XXXX. These entries are erroneous and have unjustly affected my creditworthiness. 

Considering the recent settlements with the FTC and CFPB, it is evident that TransUnion has engaged in practices that have unfairly harmed consumers. As per the Fair Credit Reporting Act ( FCRA ), I assert my rights to accurate and fair reporting of my credit information. 

Therefore, I demand that TransUnion promptly takes the necessary steps to : Remove all inaccurately reported negatively impacting remarks, late payments, and closed accounts from my credit report. 

Provide written confirmation once the removal process is completed. 

Failure to comply with this demand within a reasonable timeframe will leave me no choice but to pursue legal action to protect my rights under the FCRA. I am well aware of the rights afforded to me as a consumer, and I am prepared to take further steps to ensure fair and accurate reporting of my credit information. 

I expect a prompt and diligent response to this matter. Please acknowledge receipt of this letter within 15 days and provide a timeline for the resolution of the inaccuracies on my credit report. 

I appreciate your immediate attention to this serious matter and your compliance with the FCRA regulations. Please address all correspondence regarding this issue to the Principal address on file.

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 2023-12-19 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
I transferred about $ XXXX in crypto and I invested.

A female helped me learned about Crypto and investing in it. 
I met this person on the online dating app XXXX. 
All my profits along with my original investment disappeared from my account. 
All of it is just pure SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
My Experian credit report showed a debt in collections to XXXX. I never owed XXXX money. I disputed with XXXX. They removed the item from my report. But now, months later, the company XXXX XXXX XXXX ( XXXX ) provided a credit report to a potential landlord, and the report included the same debt in collections that was removed from my XXXX report. It looks like XXXX got the report from TransUnion. My complaint is that I dont even know who all has this incorrect collections item under my name, and I should not have to call up the furnisher and other credit bureaus to fix it. XXXX, the furnisher, or both have illegally failed to propagate the results of the dispute.

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 2023-12-19 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: PA

Complaint narrative:
In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX  XXXX class action lawsuit. All loans from XXXX XXXX were paid in full in XXXX of XXXX. Since then, my fed loan servicer XXXX XXXX has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. XXXX corrected it one time but then later received old, outdated info from XXXX XXXX once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info XXXX XXXX is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with XXXX XXXX, and these loans I have since started paying on, but I have received over $ XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.

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 2023-12-19 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: PA

Complaint narrative:
In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXXXXXX XXXX XXXXXXXX class action lawsuit. All loans from XXXX University were paid in full in XXXX of XXXX. Since then, my fed loan servicer XXXX XXXX has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. XXXX corrected it one time but then later received old, outdated info from XXXX XXXX once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info XXXX XXXX is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with XXXX XXXX, and these loans I have since started paying on, but I have received over $ XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: PA

Complaint narrative:
In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX XXXXXXXX class action lawsuit. All loans from XXXX University were paid in full in XXXX of XXXX. Since then, my fed loan servicer XXXX XXXX has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. Experian corrected it one time but then later received old, outdated info from XXXX XXXX once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info XXXX XXXX is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with XXXX XXXX, and these loans I have since started paying on, but I have received over $ XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.

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 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
The scammer created a fraudulent bank account XXXX XXXX, XXXX at Discover Bank. XXXX XXXX, XXXX is a legitimate company that submits a monthly invoice to XXXX XXXX XXXX XXXX. The scammer intercepted an email from XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX and changed the receiving banking account information by submitting another email using email account XXXX. 

On XX/XX/23 XXXX XXXX XXXX transferred via XXXX XXXX XXXX XXXX XXXX {$11000.00} to the fraudulent bank account at Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am filing a case with the Consumer Financial Protection Bureau ( CFPB ) to report the issues I have been experiencing with Barclays regarding identity theft and fraudulent activities. Here is a summary of what happened : On XX/XX/ 2023, I received an e-receipt stating that my Banana Republic Barclays credit card was used for a transaction of {$710.00} in the state of Florida. However, I have never been to that state, and I can provide phone records to prove that I was at work in my own state at the time. Immediately after discovering this fraudulent activity, I contacted Barclays to report the identity theft. 

The following day, I received a credit alert notifying me that a Barclays XXXX XXXX credit card had been opened in my name. I promptly contacted Barclays again, filed a case with the Federal Trade Commission ( FTC ), locked my credit file, and disputed all the charges. I was informed that the cases were under investigation. However, Barclays has failed to conduct a thorough investigation and has been unhelpful in resolving the issue. Their customer service representatives have been uncooperative and have provided vague responses. 

Whenever I report fraudulent activity, Barclays automatically issues new cards. However, even before I receive these new cards, I receive alerts that the cards have been used again. I have spent countless hours on the phone with Barclays, but they have not reached a resolution. To make matters worse, on XX/XX/XXXX, Barclays allowed a card that I had reported as fraud and was under investigation to be used, resulting in a loss of {$510.00}. These illegal activities seem to be specific to Barclays, leading me to suspect that an employee may be involved. 

Barclays informed me that the only mechanism they have in place is for me to report fraud when it occurs. Despite my requests, they refuse to refrain from issuing new cards under my name. I feel helpless as there seems to be no end in sight. Every morning, my first task is to check if any illegal activities have occurred in my Barclays accounts. I have provided Barclays with all the necessary documentation, including a police report, FTC report, and phone history to prove the origin of my calls and the steps I have taken to protect my credit since XX/XX/ 2023. However, Barclays has taken no responsibility for the situation and continues to claim that they can only act retroactively if someone opens an account in my name. 

Furthermore, the person responsible for this fraud also requested a credit increase on a card that I never requested. The situation seems to be never-ending, as another card was used in my name just yesterday, once again from Barclays. I am in desperate need of assistance to resolve 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 2023-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management and Westlake Finance violated law 15 USC 1692c ( a-c ), and 15 USC 1692g ( a-b ). By furnishing my credit report without my written consent of validation of the debt and communication with me on XX/XX/ 2023, the Consumer sent over debt valuation and cease letter where there was no response from either company. They continued to send bills to my mailbox and communicate via telephone and email as the consumer is on the DO NOT CALL list for the stated of GA. 15 USC 1692k speaks about damages of XXXX per violation and does not call Civil penalties of XXXX per federal violation and XXXX for state violation If this is not handled with care the next step will be to pursue A federal court case for the violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XX/XX/XXXX, my father opened a trust with XXXX attorneys in XXXX, Ga. He designated me trustee. I was tasked with putting his assets in the trust, my father had XXXX. His bank accounts were in Wells Fargo, XXXX XXXX a Wells Fargo employee handled our paperwork.It took three tries to, get it correct. My father only came with me the first time. The accounts were in the trust,XXXX XXXXXX/XX/XXXX. My Dad passed XX/XX/XXXX, XXXX years later. When I first contacted the bank I was told they had the death certificate and needed nothing else from me as the trustee. When I spoke to XXXX XXXX my fathers WF financial advisor he told me we needed to take an RMD from his IRA and I would need an account to put it in. I had already applied for an EIN. WF opened two new accounts in the trust with the EIN, because the existing accounts were not owned by the trust as requested, the trust was the beneficiary. Then WF tells me that my POA did not allow me to open these accounts. They tell me I must go to probate. They requested a copy of my POA as they were missing the first page and I gave them my Certificate of Trust, as well. They have frozen the accounts and are insisting I must probate, even though my father set this up so we would not need to probate.

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 2023-12-19 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: CA

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: WI

Complaint narrative:
XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX  XXXX {$800.00} Acount # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These above companies have violated my privacy rights. as well as reported inaccuracies ' on my report. according to these laws. 
15 U S C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A. a person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This inaccurate information is preventing me from obtaining a home for me and my family.

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 2023-12-19 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: AZ

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} 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 Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} 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