vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint and FCRA Violation To Whom It May Concern, I am writing to formally lodge a complaint regarding an unresolved identity theft issue that has affected my credit report. I filed a dispute with Equifax on XX/XX/year>, concerning a fraudulent account that appeared on my credit report under the name XXXX XXXXXXXX XXXX. 

The account in question is as follows : Account Name : XXXX XXXX XXXX  Reported Date : XX/XX/year> Amount : {$8400.00} According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of information that a consumer identifies as resulting from identity theft within four business days after receiving appropriate proof. Despite this, Equifax has failed to take action within the prescribed time frame. 

Moreover, the FCRA mandates that credit reporting agencies complete an investigation of disputed items within 30 days of receiving a dispute notice ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Equifaxs failure to resolve this dispute in a timely manner has caused undue stress and continues to negatively impact my credit standing. 

I have provided Equifax with the necessary documentation, including my identity theft report and other relevant evidence. However, they have not yet complied with their legal obligations to correct or remove the fraudulent information. 

I respectfully request the CFPBs intervention to ensure the following actions are taken : 1. Immediate investigation and resolution of the disputed account. 
2. Removal of the fraudulent account from my credit report. 
3. Issuance of a corrected credit report reflecting the removal of the inaccurate information. 
4. Assurance that Equifax is held accountable for failing to adhere to the FCRA requirements. 

Enclosed are copies of my correspondence with Equifax, the police report, FTC Identity Theft Affidavit, and other supporting documents. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue as quickly as possible. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have disputed the accuracy of my bankruptcy information reported by the three major credit bureausXXXX, Experian, and XXXXclaiming that the information in my personal credit report is incorrect. Despite filing this dispute, all three bureaus have stated that they have verified the information and found it to be correct. However, none of the bureaus have disclosed the source of the personal information used for verification, nor have they provided the name and contact details of the person who conducted the investigation and reported the information as verified. Furthermore, I suspect that all three bureaus are intentionally delaying and avoiding addressing the issue by sending generic response letters. I believe this is because they do not have proper access to my personal credit report and using generic computer-generated responses without conducting the investigation.

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 2024-08-09 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: CA

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 2024-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of 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 2024-08-09 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

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 2024-08-09 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: LA

Complaint narrative:
I am reaching out for your assistance with the incorrect entry on my credit report. This matter has negatively affected my reputation, and I need your help to resolve it. The way you have handled my credit report has caused significant damage, leaving my reputation in ruins due to your inaccurate reporting. I urge you to correct these issues so that I can live peacefully with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I did have my checking account went overdraft due to a unexpected charges and after that time, I lost online access to my account due was unable to verify this due to illness that cause my entire family to be home. My account was closed and later after I recuperated from the illness, they informed me, and I told them to deduct the amount from my saving due to the fact that my pay is deposited on my saving account. 

Unfortunately, they couldn't take this fund out of my account for unknown reason. I had to call and setup a date to which is the XXXX of XXXX to get this taking care of. 


Please assist me in this situation, as I need any negative comment remove from my account to enable me to open an account for my business.

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 2024-08-09 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: TX

Complaint narrative:
Recently checking my credit report I noticed that l 've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that l 've found : 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 XXXXXX/XX/XXXX, Please remove these fraudulent inquiries from my credit 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 2024-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
I was traveling back from Arizona and got an alert that my balance was below a certain amount. When I checked my account someone had used my credit card and sent XXXX dollars to someone from Zelle. I disputed it through my bank and XXXX denied it. I also called Zelle and they can't track the information using my credit card because that's not the one on file. I haven't used Zelle in 10 years. There has got to be a way to track how someone went into my account and sent someone XXXX from Arizona. I still had my card in my possession and only used it at 3 places in Arizona

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sold my house ( using a law firm ) on XX/XX/year> and received my payment same day via wire transfer to my Truist checking account. I immediately started spending a lot of my money on debts and goods online using my Truist debit card and bank account. I got a fraud notification which I expected and got in contact with the Truist fraud department and told them what was happening, proved my identity, and everything was cleared. The fallowing day I tried to spend my money again and was again flagged. I spoke to another representative and proved my identity and was once again cleared. Later I went to use my Truist debit card at a store and it was declined. I called Truist again and they said they unfroze my card, but they did not. I called again and was told my debit card and bank was frozen and they have to investigate. I asked many times what the time frame was and what I could do. They said they can not tell me a time frame and they can not help me. I called again, they said it was clear, it was not. I called one more time and was told they can not tell me anything and to go to my local branch, which I did. I gave them my ID, Social Security card, birth certificate, and half a dozen more forms of ID. The gentleman was very helpful and said I have plenty of ID to know it's not fraudulent. Unfortunately, he was given the same runaround as me. No mention of time frame of resolution. No contact given. Nothing. I have no access to my money. No one can help me figure out when and is offering me no solution. I can not get gas, food, or pay bills. I can not get cash or anything. I'm left in the dark with no explanation and locked out of 100 % of my money.

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 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Consumer Finance, Inc.
State: MA

Complaint narrative:
DEAR UNITED CONSUMER FINANCE ; I was shocked TODAY when I reviewed my credit report and found late payment on the dates below : XXXX AND XX/XX/year> .... 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX I attempted to XXXX {$490.00} from My Citibank account to my XXXX XXXX account. Citibank locked my account so the transfer would not go through. 
I called Citibank the same day and they unlocked the account. No reason was given for the account to be locked.When I attempted to XXXX my funds I received a notice that I was locked out of my account again. 
I called Citibank again on the same day and they unlocked my account. Again I was not given a reason again why my account had been locked. ( new account ) When I attempted the XXXX the 3rd time I inadvertently sent the XXXX to the wrong phone number. The correct phone number was off by XXXX digit. I immediately called Citibank and tried to cancel the pending XXXX. Citibank opened an investigation and concluded that the funds could not be recovered. 
I reached out to the recepient XXXX XXXX at XXXX several times but my calls and texts went unanswered.

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 2024-08-09 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: MI

Complaint narrative:
There is an account with XXXX on my credit report which is inaccurate. The creditor being reported is not correct. The company that is currently in charge of the debt is XXXX XXXX. I also would like to add that the reported amount owed is inaccurate. My credit report states that the amount owed is {$150.00}, the statement I received from XXXX XXXX states the amount owed is {$180.00}. You will find the document sent from XXXX XXXX attached to this complaint.

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 2024-08-09 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: GA

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: OH

Complaint narrative:
This request is being sent because of incorrect personal information showing up on my consumer credit report. Please see the correct information attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected Consumer right to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct numbers XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of these companies has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reported agency can not furnish account without my written instructions.

15 USC 1681C.A5 section states no consumer reported 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 USC 16 81S 2A1 a person shell not furnish any information related to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is in accurate I requested validation of debt and also my information was sold to several third parties. company I am requesting that these accounts be removed immediately or I will move forward to persue legal actions

Company response to consumer: Closed with non-monetary relief