vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to Equifax requesting the removal of a fraud alert from my credit report. The tracking number for this correspondence is XXXX. According to USPS records, Equifax signed for the letter on XX/XX/year>. However, as of today, the fraud alert has not been removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to address my request to remove the fraud alert within a reasonable time. Specifically, Section 605A of the FCRA outlines consumer rights regarding fraud alerts, including the obligation of credit reporting agencies to process such requests promptly. Failure to comply with these obligations may constitute a violation of the FCRA.

I respectfully request the CFPB to intervene and ensure Equifax removes the fraud alert promptly as per the law.

Supporting Documentation : USPS Certified Mail receipt ( tracking number XXXX ) USPS delivery confirmation showing Equifax received the letter on XX/XX/year> Copy of the letter sent to Equifax requesting the removal of the fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Account info Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, 168 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$310.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$310.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX 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
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
Experian, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-11-23 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: FL

Complaint narrative:
I was an Authorized user on an account. The account has been terminated but is still showing open XXXX XXXX Account info Account number XXXX account is terminated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
I was an Authorized user on an account. The account has been terminated but is still showing open XXXX XXXX Account info Account number XXXX account is terminated

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 2024-11-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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.

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 2024-11-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
I reviewed my credit report and noticed that there was a couple of late payments showing on my credit report that I was never late for. The consumer reporting agency has assumed a viral role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been laid on the payments for the account that I have included, Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided l demand, these late payments be updated to paid as agreed on time as they should be due to the fact, I was never late. Thank you in advance!

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 2024-11-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX : XXXX SSN : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan with ( XXXX XXXX XXXX XXXX XXXX for the amount of {$20000.00} ( XXXX ) XXXX XXXX XXXX for the amount of {$580.00} ( XXXX XXXX XXXX  XXXX for the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$110.00} ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX for the amount of {$720.00} ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XXXX amount of {$720.00} ( XXXX XXXX XXXX for the amount XXXX $ XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I have listed these fraudulent accounts that are on the report that is being maintained by you.I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number # XXXX # from FTC as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX : XXXX SSN : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan with ( XXXX XXXX XXXX XXXX XXXX for the amount of {$20000.00} ( XXXX ) XXXX XXXX XXXX for the amount of {$580.00} ( XXXX XXXX XXXX XXXX for the amount of {$460.00} ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for the amount of {$110.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX for the amount of {$720.00} ( XXXX XXXX XXXX XXXX XXXX  XXXX for XXXX amount of {$720.00} ( XXXX XXXX XXXX for the amount XXXX $ XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I have listed these fraudulent accounts that are on the report that is being maintained by you.I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number # XXXX # from FTC as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2024-11-23 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: FL

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiries. I respectfully request a copy of any documents authorizing credit inquiries, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated Sincerely, 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
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: CO

Complaint narrative:
Ive been receiving calls about my late payments ( first time having late payments in 8 years of credit history ) before XXXX every single day since the XXXX of the last month from XXXX XXXX XXXX Discover. XX/XX/XXXX Discover called me at XXXX, XXXX XXXX called me at XXXX and Discover called again at XXXX on the XXXX, on the XXXX Discover called at XXXX and XXXX XXXX called at XXXX and Discover called again on the XXXX at XXXX on the XXXX Discover called XXXX and XXXX XXXX at XXXX this repeats the same pattern even today it happened, I understand Im late on payments but Im being woken up everyday by these creditors for a XXXX XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
IAm filing a new complaint regarding JP Morgan Chase Bank, which is holding my funds. XXXX, my bank, submitted a recall request to retrieve the money that was transferred to the wrong account from JP Morgan Chase Bank. While XXXX successfully located the funds, the recall request was denied. 

I reached out to you as an intermediary for assistance. However, JP Morgan Chase Bank refuses to provide any further information and has redirected me back to XXXX. XXXX has confirmed that they have done everything necessary to resolve this and maintain that JP Morgan Chase Bank has the funds but is refusing to process the reimbursement. 

I now demand that JP Morgan Chase Bank take responsibility and return my funds, as the location of the money is no longer in question. I expect this matter to be resolved promptly. 

Money transfer XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NV

Complaint narrative:
Transaction history shows on XXXX, Wells Fargo Card Reserve XXXX XXXX XXXX charged ( withdrew ) {$150.00} from my small business checking account. 

I complained to a Wells Fargo banker on XXXX XXXXXXXX XXXX about this when I saw it on my statement. 
Wells Fargo wrote me a letter that they can not do anything about my complaint because too much time has passed. I was out of the country when the charge happened and I noticed the charge only later upon my return. 
Nevertheless, since this is a Wells Fargo Card Reserve transaction that is involved with a Wells Fargo identification number, Wells Fargo should rectify this error to prevent this from happening in the future for the good of the bank and of all the customers. Delayed detection/reporting should never be used as an excuse, especially if this is an internal transaction. Wells Fargo has got to go to the bottom of this error.

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 2024-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SLM CORPORATION
State: GA

Complaint narrative:
This is a continuation of complaint XXXX. They've closed the complaint saying that they can not find my IP address in their logs, but if that's the case then it's a failure in their audit logs. But I still can not access my online account, which I haven't been able to access for over 2 months, and is tied to over a dozen CDs and a Money Market acccount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX PA XXXX **RE XXXX DEMAND FOR IMMEDIATE DELETION OF ILLEGALLY REPORTED CHARGE- OFF** To whom it may concern, This letter is a formal demand for the immediate deletion of a negative Charge-off account that is being illegally reported on my credit file. I am well-versed in consumer law and the requirements for proper reporting, so i know when my rights are being blatantly violated. Let me be clear : if an account is charged off, the creditor MUST issue a 1099-C ( Cancellation of Debt ) form to legally consider the debt canceled or paid in full. 

You are reporting a charge-off without any evidence of a 1099-C being filed with the IRS, which deceptive , misleading, and a violation of the Fair Credit Reporting Act ( FCRA ) .Under 15 USC 1681s-2 ( a ) ( 1 ) ( B ), furnishers are required to update information and report accurately. If your reporting these accounts as a charge-off, where is the proof that the debt was charged off or canceled? 

Additionally, by failing to remove or correct this inaccurate information after my multiple attempts to d dispute it, you are in violation of 15 USC 1681i for failing to conduct a reasonable investigation into my dispute. According to 15 USC 1681e ( b ), you are required to ensure maximum possible accuracy in my credit report, and right now, your falling short.

I DEMAND that you either : 1 : Present me with proof of the 1099-C issued by the creditor, along with the cancellation of debt, OR 2 : Permanently delete these charge-off accounts from my credit report IMMEDIATELY!

I am not interested in receiving anymore of your generic responses claiming this information was " Verified ''. If it was truly verified, you would have already provided me with the 1099-C documentation. Since you have not, I know for a fact you can not validate this account.

If this matter is not resolved IMMEDIATELY, i will escalate this case to the Consumer Financial Protection Bureau ( CFPB ) and take action against Transunion for your continued willful non-compliance under 15 USC 1681n, and 15 USC 1681o for negligence. Consider this your FINAL WARNING to correct your reporting, or i will pursue damages and any other legal remedies available to me under the FCRA. 

Delete the inaccurate charge-off Now or face the consequences of your negligence and blatant disregard of my rights. 

This is your last opportunity. Take action, or i will! 

Sincerely, XXXX XXXX Charge offs are listed below : 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

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 2024-11-23 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Erroneous Late Payment Reporting XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports with XXXX, Equifax, and XXXX concerning XXXX XXXX XXXX XXXXXXXX XXXX Specifically, the reports erroneou

sly list 90-day late payments that do not follow the proper progression of late-payment reporting as per credit reporting standards. Below are the details of the discrepanci
es : XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
Equifax : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
At no point do the reports reflect a 30-day or 60-day late payment prior to these listings, which would typically precede a 90-day late designation. This abrupt designation of 90 days late is entirely erroneous and violates the accuracy obligations imposed on furnishers of credit information under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I would like to bring to your attention that XXXX has previously been implicated in data security and reporting failures. In XX/XX/XXXX, a class action lawsuit was filed in the XXXX XXXX XXXX for XXXX XXXXXXXX XXXX XXXX alleging that XXXX systematically violated federal laws designed to protect borrowers ' rights and financial well-being. This history of negligence and improper reporting practices raises serious concerns about the accuracy and reliability of the information they have furnished to the credit bureaus in my case. 

These errors have negatively impacted my credit score and financial standing. It is imperative that : The listed late payments are thoroughly investigated. 
Any erroneous entries are corrected or removed entirely from my credit reports. 
Documentation is provided explaining the results of the investigation and the actions taken to rectify the issue. 
Under the FCRA, credit reporting agencies and furnishers of information, such as XXXX, are required to report accurate information and promptly correct errors. XXXX 's reporting of my account appears to fail these standards. I request immediate action to resolve these inaccuracies and safeguard my consumer rights. 

Should this matter not be resolved promptly and satisfactorily, I reserve the right to pursue further action, including filing a complaint with the Federal Trade Commission ( FTC ) or initiating legal proceedings. 

Thank you for your immediate attention to this matter. Please contact me at your earliest convenience for any additional information needed to expedite this resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief