vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus Experian, XXXX XXXX XXXX XXXX : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX Acct Number XXXX, XXXX,. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. There are XXXX accounts from XXXX XXXX on my credit report with balance of XXXX, XXXX. 
On, XX/XX/year> became aware that my personal financial information was disclosed to Experian, XXXX and XXXX Credit Bureau without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. No notification was given 30 days prior negative report was made. This account has been report Charged off multiple months. When a Charge off is only done once not every month.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information. 
XXXX. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed. 
XXXX. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records. 
XXXX. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future. 
Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely,

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 2024-08-28 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-28 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
There are inquires on my credit reports that i did not authorize : JPMCB Card Services, XXXX XXXX XXXX jpmcb card servicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
I have made multiple efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my well-being, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim 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 non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Urgent : Incorrect Credit Reporting and Loan Modification Issues I am writing to formally address several issues regarding my loan account with XXXX, which have led to significant negative impacts on my credit report. 

In XX/XX/year>, I entered into a forbearance plan with XXXX due to financial hardship, which was approved on XX/XX/year>. At the time, my loan was current, and I was assured that while in forbearance, my account would be reported as current. The forbearance was for a XXXX period, followed by a three-month trial payment plan before a modification was to be finalized. 

I made payments for XXXX and XXXX to ensure that no late payments would be reported. I also submitted the notarized loan modification documents via your online portal to accept the modification, which was to convert the XXXX months ' worth of payments into a partial deed claim to be settled at the end of the loan term. 

To my shock, when I logged into my account to make the final trial payment in XXXX, I saw an outstanding balance of over {$11000.00}, which included all payments due since XXXX. This was unexpected as I was under the impression that I was current and in the process of completing the modification. I paid as much as I could immediately and subsequently received a notice claiming that the loan modification was declined by me, which is inaccurate. I had submitted the required documents to accept the modification. 

In an effort to resolve the issue, I withdrew funds from my XXXX ( k ) and paid the full balance due from XXXX to XXXX. Despite this, my credit report now shows severe negative marks, including 60 days late in XXXX, 120 days late in XXXX, and 90 days late in XXXX. This is in direct contradiction to the assurance given at the start of the forbearance that my credit status would remain current. 

I believe this situation is the result of misinformation and an unfair practice on the part of XXXX. I would not have entered the forbearance if I had known my credit would be adversely affected. I respectfully request that my credit file be corrected to accurately reflect the current status of my account, with no late payments reported. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Urgent : Incorrect Credit Reporting and Loan Modification Issues I am writing to formally address several issues regarding my loan account with XXXX, which have led to significant negative impacts on my credit report. 

In XX/XX/year>, I entered into a forbearance plan with XXXX due to financial hardship, which was approved on XX/XX/year>. At the time, my loan was current, and I was assured that while in forbearance, my account would be reported as current. The forbearance was for a XXXX period, followed by a three-month trial payment plan before a modification was to be finalized. 

I made payments for XXXX and XXXX to ensure that no late payments would be reported. I also submitted the notarized loan modification documents via your online portal to accept the modification, which was to convert the XXXX months ' worth of payments into a partial deed claim to be settled at the end of the loan term. 

To my shock, when I logged into my account to make the final trial payment in XXXX, I saw an outstanding balance of over {$11000.00}, which included all payments due since XXXX. This was unexpected as I was under the impression that I was current and in the process of completing the modification. I paid as much as I could immediately and subsequently received a notice claiming that the loan modification was declined by me, which is inaccurate. I had submitted the required documents to accept the modification. 

In an effort to resolve the issue, I withdrew funds from my XXXX ( k ) and paid the full balance due from XXXX to XXXX. Despite this, my credit report now shows severe negative marks, including 60 days late in XXXX, 120 days late in XXXX, and 90 days late in XXXX. This is in direct contradiction to the assurance given at the start of the forbearance that my credit status would remain current. 

I believe this situation is the result of misinformation and an unfair practice on the part of XXXX. I would not have entered the forbearance if I had known my credit would be adversely affected. I respectfully request that my credit file be corrected to accurately reflect the current status of my account, with no late payments reported. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX Account # 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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-28 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: NY

Complaint narrative:
I am a victim of identity theft please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BOA claim # XXXX Around XX/XX/year>, XXXX received text from BOA reference suspicious activity on her checking account and replied no reference to recognizing account and XXXX transactions . They advised a representative would call her and XXXX XXXX impostor ) from BOA fraud department called XXXX. 
XXXX received a text from XXXX & XXXX ( XXXX and XXXX ) phone carrier that her phone ( XXXX ) XXXX was being transferred to a XXXX account. XXXX did not answer text in time and her phone became inoperable and stuck in sos mode. Several fraudulent credit card, boa, XXXX, computer, cell phone XXXX XXXX was charged and once disputed the funds returned. XXXX received another call from XXXX ( XXXX ) asking if she sent a wire. She said no and that he has stopped the wire and frozen her account and directed her to the boa app. XXXX coerced XXXX into sending XXXX wire transfers on XX/XX/year> to get her funds returned. It was in the amounts of {$8900.00} and {$9700.00}. We have not sent wires before and XXXX was coerced into sending this transaction. She was tricked. We have printouts of the transaction. XXXX tried to get XXXX to go to BOA and pull out {$20000.00} cash and deposit into a virtual account so her money would be returned.

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 2024-08-28 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
I tried to make payments to the original company XXXX and then XXXX was put on the account without any email from XXXX or phone calls about the account being late. Jefferson, never sent me any details on this being owned or sold to them. Now XXXX XXXX is telling me they own the account from Jefferson with not proof or notice that this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I've noticed an unfamiliar account on my credit report that isn't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fulton Bank XXXX XXXX XXXX XXXX, PA XXXX refuses to accept a properly executed Power of Attorney ( POA ). My Pennsylvania attorney reviewed this POA and stated that this document is properly executed. 
My sister appointed me as the Agent for Principal. 
The XXXX XXXX XXXX  XXXX, XXXX XXXX and Fulton Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, PA XXXX, have both refused to honor this Power of Attorney and give an explanation. 

My sister is presently not ambulatory and receiving in-home Hospice care. 
Since I live in Florida, I made a 3-way call with my sister, XXXX XXXX XXXX and the head teller, XXXX XXXX XXXX XX/XX/year>2024 who works at the XXXX XXXX XXXX of the Fulton Bank XXXX XXXX mailed me XXXX 's bank statement for this period XXXX/24XXXX/24. 

My sister, XXXX, named certain charities and beneficiaries to receive proceeds from her accounts during the remainder of her limited life. 

I have made repeated attempts including phone calls, mail and emails to request that the bank accept this POA and proceed with allowing me to execute my sister 's wishes. My Pennsylvania attorney also called and emailed XXXX XXXX XXXX, XXXX. Fulton Bank requesting an explanation as to why Fulton Bank is not honoring this POA. XXXX XXXX refused to give an explanation to my attorney as to the reason for their refusal to honor this POA. 

Fulton Bank is in possession of the properly executed original POA.

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 2024-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In reviewing my credit report, I noticed XXXX inquires ; XXXX from XXXX XXXX XXXX and XXXX XXXX dated XX/XX/year>24. I do not recognize these inquires and have reached out to Equifax who will not assist with my request.

Company response to consumer: Closed with explanation