vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: NY

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
an/ mercedesB XXXX. I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Early this morning ( XXXX XXXX  ), I received a call from someone claiming to be from my Citibank credit card fraud department to advise what appeared to be a fraudulent charge from out of state for electronic products over {$500.00}. 

The person identified himself as XXXX XXXX and the number the call came from is ( XXXX ) XXXX. I told him that I would call him back, then called my credit card bank and they told there was no fraudulent charges or record that anyone from their team had reached out to me. 

This number has been calling me back a few times and I have blocked the number.

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 2024-11-26 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I recently had ( XXXX ) American Express Credit Cards Accounts XXXX, XXXX, XXXX. I've had my longest account with American Express XXXX XXXXXXXX since about XXXX with perfect payment history. I obtained 2 more American Express Credit Cards **** XXXX with {$10000.00} credit limit & XXXX XXXX with {$10000.00} limit. On or around the time of XX/XX/XXXX my credit line was decreased on Credit Card XXXX XXXXXXXX from {$12000.00} to {$5500.00} to {$3300.00} which would put me at almost 100 % utilization on that card. When I called and questioned American Express about the unwarranted decrease in my credit line I was told by a representative that it was because I stopped paying my other credit cards balance in full/ larger amount payments on cards XXXX & XXXX XXXX. Then in XX/XX/XXXX my credit line was decrease on XXXX XXXXXXXX XXXX  from $ XXXX - {$9000.00} on this account which would also put it at 100 % utilization. This process was also done on card XXXX XXXXXXXX in XX/XX/XXXX and again XX/XX/XXXX going from {$10000.00} to {$7000.00} to {$6000.00}. After I noticed there fraudulent tactics and harassing behavior I reported them to the CFPB to hopefully find remedy and none was given. My Credit Score taken a very hard hit decreasing of almost XXXX points. The most drastic thing they did after I reported them to the CFPB was that they closed all my accounts and also have added a collection on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, XXXX, XXXX, XXXX XXXX XXXX, IC Systems, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, IC Systems, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX that I do not recognize.

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 2024-11-26 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:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian agents are not accessible to resolve my ongoing fraud case initiated prior to XXXX and I have spent more than 12 hours on the phone trying to resolve the situation. Prior to XXXX I was notified of several attempts of using my ID information [ SSN, License, etc. ] to set up over 10 credit/loan applications. I have since called all banks and initiated disputes as well as set up online accounts at XXXX and XXXX. Unfortunately I was unable to access my Experian online account as it apparently had been already set up. When trying to gain access to my Experian online account I had requested a User Name reminder at which time I was notified that it was sent to an email address that was not mine. I called Experian and the agent instructed to send personal information to confirm my identity [ faxed on XXXX with confirmation report - attached ] so that they could cancel and or reset the existing on-line account to allow for me to re set-up. On XXXX I called Experian to get a status update on the situation - at that time the agent noted that someone has also set up a financial " Experian XXXX '' account [ XXXX ] using my information [ fraudulently ] - the agent went on to say that it is a common tacit for ID theft actors to set up accounts like this to create issues with account re-sets. The agent then noted that the XXXX team would need to confirm information from the Experian fraud department to close the account ; no information about this account was shared with me for security purposes. I received an email from Experian on XXXX [ escalation # XXXX ] again requesting personal information- I called them, spoke to an agent and confirmed the information was already faxed to them and that due to the nature of the information, I am not comfortable resending. Since XXXX I have called Experian for an update four times and consistently was not able to speak to an agent that could provide any meaningful update. Rather I was diverted to various departments and ultimately to automated systems that directed me to a website for additional membership " specials ''. I have also uploaded my police report on the overall incident during the week of XXXX. [ uploaded to XXXX referencing incident # XXXX ]. My latest call to Experian was today, XXXX. I spent an additional 1.5 hours on the phone with the same outcome as prior. Specifically, I spoke with ( 6 ) different agents who provided various numbers to call as well as instructions, which I followed and ultimately all went back to sending me online or to purchase additional products. Numbers that were provided include : XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
According to 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. 
Account Name : XXXX XXXX # XXXX. Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX Card # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX. Has violated my rights. 

I looked at my Transunion 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 the maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information in general if, after any reinvestigation under paragraph ( 1 ) of any 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 funisher of that information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681-2, they are supposed to not furnish to, not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-11-26 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:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX. XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
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 2024-11-26 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: U.S. BANCORP
State: VA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

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 2024-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I started the loan process normally to get a loan and purchase a nes home. I realized later that they are trying to discriminate us in regard of theirs pratices. They asked me to provide documents at least 10 times the same documents sometimes without a clear explanation. They would to deny after I added my wife they asked us to provide 2 years of paystubs we did it. And they asked me a private question " why I want to move from here to the new place '' they wasted time we missed the first settlement date on XX/XX/XXXX and I was penalized because I already scheduled a tenant for my current house and got transfer offer from my company to the new location... they were still about asking the same things to waste the time again. The Realtor scheduled the next closing for XX/XX/XXXX and at this time they asking the same thing to waste time for example to provide the homeowners insurance contact... she already emailed them about this process many times. The asked me to explain the Lender assistance on my current mortgage ( a debt of {$2200.00} for 10 years without interest with the balance of {$1900.00} ) I said i don't have statement for 12 months and they have the mortgage company contact for now there are the both documents they require that I provided at least five times yet. The rate bock at 6 25 % and will expire on XX/XX/XXXX where everything will change. I suspect that they intend to change the loan conditions... the mortgage counselor didn't respond to my mails he leaves like mystery invade everything. The would me to pay for appraisal twice ( {$750.00} and {$800.00} ) to discourage 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 2024-11-26 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-26 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I requested an ITEMIZED bill. On XX/XX/year> I received a Bill. I understand that the people running the compliance department are incompetent, but an itemized bill is line items, line by line, that fully describe the services provided/rendered. I want to see if I received a XXXX, bandages, etc. 

I am also requesting a written response by mail to the process in which you verified the debt. Telling me you verified the debt and made up a fake itemized bill is not productive to your defending arguments or mine. 


In the event of needing to, I'm willing to accept that the debt is fully mine IF you can prove it. But Upon Validation ( NON Itemized bill ) and proof of claim ( Never received ), this is NOT my debt. 

I am sure ( If not incompetent ) that you are aware of the provisions of the FDCPS. so let it be known that I am requesting FULL VALIDATION of this debt. I am requesting once again proof that I am indeed the person you are asking to pay this debt and that there is some contractual obligation binding me to pay this debt SUCH AS : Signatures that released my information to you because I did NOT authorize my personal health information to be sent over to you, LINE ITEM BILLS and other things mentioned in other communications with this company. 

Under XXXX XXXX XXXX XXXX XXXX XXXX, you are REQUIRED to submit to me a line by LINE, COMPLETE payment history, and itemized bills. 

For the record, this has been referred to the attorney general 's office of both Ohio and Texas. For the record AGAIN since this has been in disputed status it has not been cleared from my credit report during that time. 

The Incompetent representative ( s ) believe that the company ( XXXX ) is not entitled under Texas, Ohio and United States code, to follow the law. If I don't receive a response that solves this matter, I will file a civil lawsuit over this indignant process and a hefty penalty. 

Thank you for nothing.

Company response to consumer: Closed with explanation