vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: EQUIFAX, INC.
State: TN

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. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In early XXXX, I discovered an account from XXXX XXXX  on my credit report that I did not open or authorize. The account, reported as charged off, reflects usage and payments that were not made by me. I immediately filed disputes with the credit bureaus and contacted XXXX XXXX  to request evidence of my authorization for the account. Despite my efforts, the investigation concluded incorrectly, stating the account was valid. 

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 1681i ) and 605B ( 1681c-2 ), I have the right to dispute inaccurate information and have fraudulent accounts removed from my credit file. Additionally, Section 623 ( 1681s-2 ) prohibits creditors from furnishing false or unverifiable information to the credit reporting agencies. The presence of this account on my credit report violates these rights. 

I have also filed a police report and an FTC Identity Theft Affidavit to document this fraudulent activity. If this account is not removed promptly and corrective action is not taken, I am prepared to pursue legal remedies, including filing a lawsuit for damages resulting from the inaccurate reporting and failure to comply with federal law. I demand the immediate deletion of this account.

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 2024-11-20 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: FL

Complaint narrative:
I am disputing inaccurate information related to two mortgage accounts on my credit report. As documented in a court-approved agreement, these accounts were legally reassigned to the other party involved in my divorce. Despite this, they are still reported as my responsibility. This incorrect reporting has negatively impacted my credit. I request that these accounts be corrected or removed to reflect the accurate status. Supporting documentation, including the divorce decree, has been provided for verification.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 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 explanation
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter on XX/XX/year> requesting my information be reviewed for accuracy and any inaccurate information needs to be removed. The Credit bureau sent a letter back and stated that they believe I was a credit monitoring company and please resubmit a response to this letter.

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 2024-11-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter on XX/XX/year> requesting my information be reviewed for accuracy and any inaccurate information needs to be removed. The Credit bureau sent a letter back and stated that they believe I was a credit monitoring company and please resubmit a response to this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TN

Complaint narrative:
Im writing with a heavy heart to dispute some inaccurate information on my credit report. The following items are incorrect, and theyre causing significant damage to my credit score. This is really stressful for me, as Ive always tried my best to manage my finances, and seeing this has been overwhelming. 

XXXX Account Name : XXXX XXXX  Account Number : XXXX balance : {$480.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : MB FIN SVCS Account Number : XXXX balance : {$18000.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX2 Im concerned and confused to see this lender on my credit report. I dont recognize them and dont remember authorizing a hard inquiry. There are multiple inquiries in one day, but I only approved one. This has caused me a lot of stress. Please provide proof of authorization or remove the unauthorized inquiries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Was buying a classic XXXX XXXX  and wired {$15000.00} to XXXX and signed all the legit documents and paperwork but never received car. The company even set up a payment option for the other half of the loan for the remainder of the payoff. Wired money on XX/XX/year> through Wells Fargo. Wells Fargo denied the fraud claim after the money was wired. Would like to seek some justice in some way on this matter. I can provide all the necessary documentation and paperwork if this would be taken seriously.

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 2024-11-20 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: WI

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX I am filing a complaint regarding a pledge loan I obtained through Navy Federal Credit Union in XX/XX/XXXX and ended in XX/XX/XXXX. At the time of signing up, I was informed that upon completing the loan payments ( with interest ), the pledged amount of {$1000.00} would be returned to me. 

After completing all required payments, I waited a few weeks for the deposit, but the funds were not returned. When I contacted customer service twice, I was told that the funds had already been returned to me. This response is illogical, as it would not make sense for the funds to be returned during the loan repayment period. 
Furthermore, when I raised concerns and questioned the status of my funds, Navy Federal added a dispute notation to my credit reports without my authorization. This action is unwarranted and has caused additional frustration.

To make matters worse, I noticed that all of my statement records related to this loan were conveniently blurred, preventing me from reviewing them for verification. This lack of transparency raises significant concerns about Navy Federal 's handling of my account.

I am requesting an investigation into this matter, as I have yet to receive the {$1000.00} deposit I am entitled to. Navy Federal 's handling of this situation has been unacceptable and raises concerns about their practices. 

These are the games they play with XXXX. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MD

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 my 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 to be updated.

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.

EXPERIAN 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! 


Update the late payments from my consumer reports

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 2024-11-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It is my personal statement that the inquiries that I have listed are fraudulent and need to be deleted from my credit report within four business days of your receipt of this report pursuant to 15 USC 1681c-2 on clear grounds of identity theft. Also, Pursuant to 15 USC 1681e ( b ) of the FCRA, your agency must maintain 100 % accurate records of my personal information within my consumer reports at all times. Please update my personal Information to match accurate records only. 

PLEASE SEE ATTACHED IDENTITY THEFT 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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: WI

Complaint narrative:
Please see prior complaint... 
My calculations were at {$7200.00}. I ONLY RECEIVED {$5000.00} BACK. I CALLED BANK AND THEY TOLD ME THEY WOULD SEND DENIED TRANSACTIONS TO ME AND I NEVER RECEIVED ANYTHING FROM THEM. THEY STILL NEED TO GIVE BACK OVER {$2000.00}, PLEASE LOOK INTO THIS FURTHER XXXX  PLEASE NOTE CURRENT PHONE AND ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX has continuously pursued an alleged debt that does NOT belong to me. I am not liable for this alleged debt as there is no contract, application nor written consent present therefore this alleged debt is not able to be validated. This company acquired my private information from a source ( social security number ) without prior consent which constitutes both identity theft and securities fraud. Furthermore the collection agency that they stated is handling this alleged debt has confirmed to me that they arent pursuing this debt and that they have no recollection of this account. This alleged debt is invalid and has caused so much financial damage!

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 2024-11-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I contact XXXX, XXXX XXXX, XXXX, Experian, XXXX XXXX with my court documents showing the disposition of sealed and/or expunged, however it remains to appear in employment searches, housing and has continued to hinder me despite the relief and fresh start it was designed to create for me moving forward with my ambitions and life.

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 2024-11-20 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: CA

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am a consumer residing in Oregon, and I have been experiencing significant issues with my credit reports due to negligence by Equifax, XXXX, and XXXX. Here is a detailed timeline of events : - In XXXX XXXX, I legally changed my name and gender marker and updated my Social Security card and drivers license to reflect this change. Although this updated information should have been reflected in my credit files when the bureaus accessed SSA data, they failed to consolidate or update my credit history accurately. 
- Instead of linking my existing credit history to my updated personal information, the credit bureaus created a new, incomplete credit report, effectively severing my financial history from my new identity. 
- On XX/XX/XXXX, I filed a dispute with XXXX to correct inaccuracies in my credit report. Their system promised a resolution within 30 days, but as of XX/XX/XXXX, XXXX XXXX months laterthis dispute remains unresolved. 
XXXX system has repeatedly crashed when I attempted to access my credit report, making it impossible to verify or dispute inaccuracies. This system failure has exacerbated the harm caused by their negligence. 
- Due to these unresolved issues, I have faced multiple adverse financial actions, including : - Higher interest rates and loan denials caused by incomplete credit information. 
- Stressful and near-denied housing applications in late XX/XX/XXXX due to inconsistencies in my credit files. 

These errors have caused financial harm, emotional distress, and ongoing obstacles in managing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NC

Complaint narrative:
My chime checking account was closed by chime due to a violation of the customer agreement contract. They didn't give me an opportunity to retrieve my funds from my account before they closed it and won't allow me to collect the money from the account. Idk exactly how much was in there but it should have been several thousand. Thanks in advance for any assistance in this matter.

Company response to consumer: Closed with explanation