vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute two hard inquiries listed on my credit report which I believe to be unauthorized and in violation of federal law. Please see my detailed information below : The hard inquiries unrecognizable are : 1. XXXX XXXXXXXX Date Reported : XX/XX/year> XXXX. XXXX XXXX XXXX Date Reported : XX/XX/year> I do not recognize these hard pulls and they were not authorized by me. Therefore, they violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs permissible purposes for obtaining consumer reports. Additionally, please note the following sections of the FCRA which further support my dispute : 15 U.S.C. 1681e ( b ) : 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. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation 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 promptly delete that item of information from the file of the consumer. 

As a consumer, my rights under the FCRA are clear, and unauthorized inquiries can result in inaccurate reporting and potential q to my credit score. Given these inquiries were not made with my consent or for a permissible purpose, they must be removed from my credit report immediately. 

Please investigate this matter promptly and correct the inaccuracies by removing these unauthorized inquiries. I would appreciate your prompt attention to this matter and expect a resolution within the 30-day investigation period as required by the FCRA.

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 2024-07-22 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: NJ

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the below accounts has violated my rights : 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 15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : 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 2024-07-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the below accounts has violated my rights : 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  15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : 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 explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On or around XX/XX/2024, I submitted to Bluebird American Express a transaction dispute for services not received. On XX/XX/2024, Bluebird sent me an email requesting additional information in writing and provided me with a form. I filled out the form, as well as, wrote XXXX more pages of additional information and had it professionally faxed to them on XX/XX/2024. Because I heard nothing from them after my submittal, I phoned them to check on the status of my dispute. They were not able to provide me with any other information explaining that their back office was handling the matter. I asked about provisional credit and they told me that I would have to wait XXXX  days. They told me to call them again on XX/XX/XXXX to inquire on the provisional credit. I called them today XX/XX/XXXX and they gave me the runaround around with different invalid excuses as to why I was not approved for provisional credit. One of those reasons was that I had to provide them with a written response and that I did not. I stated that I have proof I did. I then asked for a supervisor. The supervisor confirmed receipt of my dispute but then said there's probably another reason why I was not approved for provisional credit. The supervisor could not give me and reason why and told me I must wait a full XXXX  days. Bluebird American Express is not following the law regarding provisional credit. I also received no notification that I was either approved or denied provisional credit. They are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-07-22 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: MI

Complaint narrative:
Hello, my name is XXXX XXXX. On XX/XX/XXXX I withdraw money out my account. My last valid transaction was {$400.00}. I then proceeds to get what I needed out the store I bought my items then I left my purse/wallet. I go back and find out that my wallet and purse was gone. I called Wells Fargo and spoke to a representative to lock my card and resend a new one. 3 days later I call to find out my card was never cancel And more charges Appear. Then I had to make another call because she didnt dispute all the transactions! The money was for my rent. Not these charges!!! Im missing half of my rent because someone stolen my card. I even had witness says they saw someone grab the bag! Claim number : XXXX I file a police report as well.

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 2024-07-22 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: LA

Complaint narrative:
I asked the 3 major credit bureaus to remove inaccurate items from my credit 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 2024-07-22 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: LA

Complaint narrative:
I asked the 3 major credit bureaus to remove inaccurate items from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I have unauthorized accounts and inquiries on my credit report. This is against my consumer rights and I feel like I am being taken advantage of.

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 2024-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have unauthorized accounts and inquiries on my credit report. This is against my consumer rights and I feel like I am being taken advantage of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payactiv, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX the amount was XXXX and XXXX was taken out of my .. payactiv account..I called my card to tell the that a company by the name of XXXX took money from my account that I never authorized or ever been to this place before or use them and they told me I wasnt getting a refund back so I told them Im going to report them because if Im telling you I never use them or had a history of purchasing anything from them how I cant get my money back because thats fraud activity on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company 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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My mother added her roommate to her checking account. She died on XX/XX/year> and only one night before my mother passed, the roommate died on XX/XX/year>. I have been appointed responsible person/executive of estate by Probate court in XXXX I went to the bank with all the proper documents. They advised me that XXXX of the money in the checking account would go to his surviving family ( sister and and brothers ) unless their responsible person presented the proper documents from Probate and a disclaimer of interest in claiming funds from her brother 's part of the account and have it notarized. The roommate had no real property, only a different checking account so his sister didn't have to go to probate. I'm not sure if she'll even go through all the hassle to help me get the other XXXX of my mother 's money and I need it in the EstatXXXX account to pay her bills. Every deposit made to her account was made with my mother 's money. He attributed nothing to her account and took a lot of her money out of it while he had a personal checking account of his own that my mother wasn't entitled too. I'm not sure of the exact date when she added him but I know it's been within the past 2 years when she was not of sound mind. She was almost XXXX when she passed so she probably added him when she was XXXX or XXXX. It was my understanding from the bank in my first visit all I needed was proof that I was named the Responsible person from Probate, her death certificate and his death certificate. No one told me that his heirs were entitled to XXXX her money. 
My question is how can the bank hold XXXX her money when he never added any money to and he is deceased? How can it go to his sister and brothers, if they claim it, when my mother was the primary holder of the account for many years?

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> XXXX notified me of a 30 day late with Randolph Book Fed Credit union. However, not only are all of my accounts are set on Auto Pay, I also paid {$1500.00} on a {$2000.00} balance to show my Credit Worthiness. I contacted the merchant to find out what happened and it was a data error that was suppose to be fixed by the merchant and communicated to XXXX per my conversation with the merchant that in fact refunded the late fee due to the inconvenience. I sent a letter to XXXX on XX/XX/XXXX after speaking to the merchant several times however, I have not received any mail correspondence from XXXX or the merchant with the explanation or investigation results. XXXX instead, updated the dispute results to investigation complete, reported by furnisher after the investigation time frame that is well over 30 days. I have been a customer with this merchant for over 4 years with exceptional credit history, never been late once. Experian status was updated XX/XX/year> however, I was notified in writing of the investigation or any information from the merchant via mail. Please help assist me with this matter of the 30 day late that was in fact never late and paid on time with Randolph Book Fed Credit union. Thank you for your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX - XXXX XXXXThis Cfpb complaint has been filed to request pursuant to Fcra 605B 15 usc 1681 1c-2 that you the transunion credit reporting agency, block my information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit cards acconts open at XXXX XXXX  acct XXXXXXXX XXXX XXXX  acct XXXX, XXXX XXXX acct XXXXThese accts have resulted in chargeoffs appearing on my consumer XXXX credit report the aforementioned accts chargeoffs appearing on my consumer credit reports maintained by you were not opened made or initated by me. All of the chargeoffs are the result of identity theft and fraud i have attached a copy of Ftc identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accts chargeoff are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX - XXXX XXXX Cfpb complaint has been filed to request pursuant to Fcra 605B 15 usc 1681 1c-2 that you the transunion credit reporting agency, block my information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit cards acconts open at XXXX XXXX  acct XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXXThese accts have resulted in chargeoffs appearing on my consumer XXXX credit report the aforementioned accts chargeoffs appearing on my consumer credit reports maintained by you were not opened made or initated by me. All of the chargeoffs are the result of identity theft and fraud i have attached a copy of Ftc identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accts chargeoff 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