vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/year> at XXXXXXXX XXXX I deposited a pay check for {$590.00} drawn on Chase Bank into the ATM. I do this every two weeks and my funds are usually available ; there was one other time that my funds were held up due to the numbers not being legible and me entering the amount into the ATM. 

None of my funds were made available and according to the receipt will not be available until XX/XX/year>. 

I called Chase Bank 's customer service and was told there is nothing she can do to release the funds, that they should be available Monday, XX/XX/year>. 

I had bills due yesterday and today, I had to borrow money to pay these bills to avoid late fees. One of them was my Chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
From XXXX to XXXX XXXX, a series of wire transfers were done from Wells Fargo Bank to what I was led to believe was a legitimate Crypto Currency Platform known as XXXX. 
I was over the age of XXXX when these transfers were done. All of the funds were personal retirement funds accumulated over my working life. The total funds wired was approximately {$150000.00}. Some of the Wells Fargo wires were done on my phone with the direct involvement of the scammer. Subsequently, the wires were done at the Wells Fargo branch. I had rarely taken any money from my retirement accounts. After several wire transfers, Wells Fargo did perform an investigation and advised that this was something called a " pig butchering '' scam. I contacted law enforcement who confirmed this. My issue is that there were not sufficient safeguards on the Wells Fargo Platform to prevent this fraudulent scam activity. Wells Fargo Bank and specifically the wire department should have discovered the fraudulent scheme sooner. By the time, the scam was discovered the damage was done. My financial loss is {$150000.00}. The wires went to Banks like XXXX XXXX XXXX XXXX. al. The receiving banks should also have alerted Wells and in turn me about the scam.

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 2024-12-22 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: VA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-12-22 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: NY

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-12-22 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legally admissible evidence to verify the accuracy of what Paragon Revenue : Opened : XXXX. XXXX, XXXX  : # XXXX is reporting {$2700.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA XXXX I am complaining about the impermissible access of my credit report by XXXX XXXX, in direct violation of the FCRA. I have discovered that the XXXX XXXX fraudulent collections account. I need proof of a wet signature of an application w/ XXXX XXXX and proof this is a credit transaction, along with permissible purpose ; the debt collection agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. XXXX XXXX accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me, if not removed, I will go legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have unauthorized inquiries on my credit report. I do not have accounts with these inquiries that are on my credit report please remove.

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 2024-12-22 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: DE

Complaint narrative:
I have requested XXXX account from XXXX by XXXX XXXX be removed from my Credit report due to inaccurate information and fraud on my account. I have submitted and FTC report as well as filed a complaint with the CFPB. XXXX XXXX has agreed to remove the account. XXXX XXXX has submitted a request on the XXXX of XXXX to Transunion to have the account removed. I have also received a letter from XXXX XXXX with their sincerest apologies stating that they have requested Transunion remove the accounts. I have called transunion to have the account removed and transunion refuses to remove the account saying that I can file a dispute. There is no need to dispute as the data furnished has already requested the account be removed. Since this account was reinserted back onto my report, I was denied several items including credit and a bank account. I demand that Transunion remove the account. I would also like some type of reimbursement from transunion for violating my FCRA rights. This has been a difficult journey and I believe that transunion uses stall tactics and their refusal to comply with the laws are blatant and unacceptable.

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 2024-12-22 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: DC

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I am a co-signer on a loan payable by my grandson, XXXX XXXX XXXX. In a letter dated XX/XX/year> that was received on or about XXXX, XXXX, XXXX  I was notified by NBT Bank, N.A. that that payments on the loan were pass due. In a call to the NBT Bank Consumer Collection Department on XX/XX/year>, XXXX informed me that XXXX did not make his XXXX and XXXX payments. This data conflicted with the information NBT file with XXXX which indicated that XXXX made the XXXX payment. 
On XX/XX/year>, I paid the loan off in full. Beginning XX/XX/year>, I start receiving notices that my credit rating has fallen by over XXXX points due to a loan payment 30 days past due. On XX/XX/year>, I contacted NBT Consumer Collection Department and talked to XXXX regarding the credit report. She stated that the bank would not correct the issue regardless of the timing issue. 
I request that NBT Bank, N.A., be required to correct their filling on a late payment with all the credit bureaus. 
XXXX. Insufficient notice and time to correct late payment : According to an XXXX credit check the XXXX payment was reported to be made. Furthermore, the XXXX late payment notice was sent in a letter date XX/XX/XXXX which led into a holiday. According to the notice I had until XX/XX/XXXX to act which I did. 
XXXX. To resolve the current payment problem, prevent future problems, and to protect my credit rating the loan was paid in full on XX/XX/year>. 
XXXX. The filing of the past due notice with the credit agencies was premature and caused unjustified harm to my credit rating. 
4. The timing of the drop in credit rating notices resulting from NBT 30 days past due notice sent to them is not only unjustified but appears to be intentionally hostile, retaliatory, and discriminatory.

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 2024-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I contacted us dept of ed needle in haystack these ppl have no clues but they are getting enrollment dates from school therefore multiple loans taken out without my knowledge. I had 1 enrollment date XXXX, I was withdrawn on XX/XX/year>, but loans disbursed XX/XX/year> & XX/XX/year>, new enrollment date XX/XX/year>, my last date was XX/XX/year> XXXX XXXX  XXXX was aware, contacted nelnet, us dept of ed no enrollment date, no account. Hard copies of loans still trying to find out where'd those loans go? Disbursement date XX/XX/year> & XX/XX/year> waiting for a signature???? I haven't Been in school since XXXX contacted the School finacial, they hung up, denied calls, no one from Financial got back to me until XXXX, called school asked why they keep enrolling me? XXXX XXXX, and admission hung up multiple times I have every right to be upset as these ppl have done this before it's obvious. US dept of ed not recommended they accept all false info from school to issue loans fraudulently. If I was withdrawn in XXXX why are they still getting loans? Why has us dept of ed erased, deleted all my complaints? Because they did, why is us dept of ed first one we go to file complaint and they us dept of ed turn into " Feedback ''? Those ppl never assisted me nor contacted me they push me off just like most companies and I live in a country where using ones info is allowed? Mortified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-12-22 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I do not recognize this account. Please verify by sending me documentation is with my signature on it.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is incorrect on multiple accounts and these are still showing up on my credit reports after multiple disputes. My credit information was also breached and Im not sure if this has impacted my information or scope

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
on the XXXX consumer reporting website, they have my name written in multiple different ways, and none of the names actually matches my birth name that's on my ID card. I have contacted XXXX through telephone 4 times in the last 14 months about it but they never fixed it

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 2024-12-22 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: MI

Complaint narrative:
on the XXXX consumer reporting website, they have my name written in multiple different ways, and none of the names actually matches my birth name that's on my ID card. I have contacted XXXX through telephone 4 times in the last 14 months about it but they never fixed it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: CA

Complaint narrative:
Im in disagreement with the account listed below and dispute results, which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Here is the item I am asking you to re-verify as 100 % ACCURATE : XXXX XXXX Account # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow-up. Please send an updated copy of my credit report, after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I have been filing complaints about this company unfair deceptive business act against this company who unlawful repossess my XXXX XXXX XXXX without judicial determination they refused to validate the debt they said I owe giving false misrepresentation and still towed my car after a cease and desist and they was the original creditor and on record stating they bought the contract that I signed as an banker acceptance bill of exchange was pledge to the bank to I signed giving XXXX XXXX XXXX an banker acceptance bill of exchange that creates funding under fractional reserve banking and they sold my contract to Professional Financial Services received funding through fractional reserve banking they still unlawfully repossess my vehicle in violation of 4 and 14th amendment in breach of contract who took my consideration for my bill of exchange this serves as my formal notice to sue for XXXX dollarsfor the XXXX embezzlement and money laundering yall have done to me causing me severe emotional distress loss of job became homeless lost my family

Company response to consumer: Closed with explanation