vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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 XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date : XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
Scam was originally reported in ID # XXXX and XXXX the second report was on one of the two banks involved in this scam, XXXX XXXX XXXX XXXX. This complaint is related to the 2nd bank, XXXX XXXX XXXX XXXX XXXXXXXX Web Page : XXXX  but new information has surfaced as a result of the investigation. The funds were transferred to two other domestic banks from XXXX XXXX  and I have been in touch with the Fraud dept at XXXX and they provided the following information via email : Truist Data Risk Classification : [ XXXX ] XXXX XXXX : You are correct that Federal regulations prohibit banks from sharing customer information with other than the customer. Regulations also require us to provide certain information to law enforcement, which has occurred. The majority of the funds you erroneously wired to XXXX, {$120000.00}, was withdrawn through XXXX wire transfers on XX/XX/XXXX : First Citizens Bank XXXX XXXX XXXX for the benefit of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 XXXXXXXX for {$75000.00} The remainder of your wired funds were withdrawn through XXXX XXXX transactions. XXXX attempted to recover the two wires by issuing wire recalls, however, by the time XXXX was notified of the fraud and subsequently issued the wire recalls, the funds had been depleted from the receiving accounts as the above banks. XXXX XXXX. Small XXXX Vice President | XXXX Financial Crimes XXXX XXXX XXXX  XXXX XXXX | Mail XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation
Consumer complaint received 2024-12-04 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: MA

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 explanation
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX 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 non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding the suspension of my debit card privileges, which occurred on XX/XX/2024, as well as the subsequent handling of my appeal and communication with Navy Federal.

On the aforementioned date, I was informed by a Navy Federal representative that my debit card privileges would be suspended for one year due to my reporting several unauthorized or fraudulent transactions. Over the course of the next 2-3 months, I engaged in multiple conversations with various team members and supervisors in an attempt to resolve the matter. Unfortunately, these discussions did not lead to any satisfactory resolution. 

I was eventually informed that I had the option to submit an appeal to reconsider the decision. However, I never received any correspondence regarding the status or outcome of this appeal. After waiting for over a month with no communication, I reached out again for clarification and was told that a decision letter had been mailed to me. To my surprise, I never received this letter, and a supervisor later confirmed that it had not actually been sent at all. 

Despite my continued efforts to resolve this matter, I was ultimately informed that there was no one else I could speak to and that the decision regarding my debit card suspension was final. During this process, I repeatedly referenced Navy Federals Zero Liability Policy, which I understood to guarantee that I would not be penalized for any unauthorized or fraudulent transactions. Unfortunately, my concerns regarding this policy were disregarded.

After exhausting all available avenues within Navy Federal and receiving no resolution, I felt I had no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

I would appreciate your attention to this matter and hope for a prompt review and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I filed a police report with the XXXX sheriffs department due to multiple fraudulent accounts being opened on my credit report I also have attached my identity theft report from the FTC. Along with a copy of my identification. These accounts are fraudulent and the result of identity theft. 
XXXX ) XXXX XXXX {$6400.00} opened XX/XX/XXXX XXXX ) XXXX XXXX {$3000.00} opened XX/XX/XXXX XXXX ) XXXX XXXX {$3000.00} opened XX/XX/XXXX XXXX ) XXXX XXXX  XXXX {$2800.00} opened XX/XX/XXXX XXXX ) XXXX {$4500.00} opened XX/XX/XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) is a section of the Fair Credit Reporting Act that requires a consumer reporting agency to 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. The agency must block the information not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I filed a police report with the XXXX sheriffs department due to multiple fraudulent accounts being opened on my credit report I also have attached my identity theft report from the FTC. Along with a copy of my identification. These accounts are fraudulent and the result of identity theft. 
XXXX ) XXXX XXXX {$6400.00} opened XX/XX/XXXX XXXX ) XXXX XXXX  {$3000.00} opened XX/XX/XXXX XXXX ) XXXX XXXX {$3000.00} opened XX/XX/XXXX XXXX ) XXXX XXXX  XXXX {$2800.00} opened XX/XX/XXXX XXXX ) XXXX {$4500.00} opened XX/XX/XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) is a section of the Fair Credit Reporting Act that requires a consumer reporting agency to 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. The agency must block the information not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I filed a police report with the XXXX sheriffs department due to multiple fraudulent accounts being opened on my credit report I also have attached my identity theft report from the FTC. Along with a copy of my identification. These accounts are fraudulent and the result of identity theft. 
XXXX ) XXXX XXXX {$6400.00} opened XX/XX/XXXX XXXX ) XXXX XXXX  {$3000.00} opened XX/XX/XXXX XXXX ) XXXX XXXX {$3000.00} opened XX/XX/XXXX XXXX ) XXXX XXXX  XXXX {$2800.00} opened XX/XX/XXXX XXXX ) XXXX {$4500.00} opened XX/XX/XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) is a section of the Fair Credit Reporting Act that requires a consumer reporting agency to 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. The agency must block the information not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that was in fact pain on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on XX/XX/year>. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that was in fact pain on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on XX/XX/year>. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-12-04 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a fraudulent loan that was opened in both mine and my husbands names, XXXX and XXXX XXXX, by XXXX XXXX XXXX. The loan was opened on XX/XX/year> for over XXXX, without our consent or knowledge. 

The perpetrator made payments on this loan until XX/XX/year>, at which point the payments ceased. Despite our efforts to resolve the issue, we have been unable to obtain any loan documentation to verify its legitimacy. 

On two separate occasions, my husband contacted XXXX XXXX XXXX and requested that they send us proof of the loan documents. Both times, the company assured us that the documents would be sent via certified mail within 7 to 10 business days. However, we have not received any documents on either occasion, and we remain unable to confirm the validity of this loan.

Additionally, I have reported this fraud to all three credit bureaus for a second time last week in an effort to mitigate any further impact on our credit. 

We are requesting the CFPBs assistance in investigating this matter, ensuring that XXXX XXXX XXXX provides the requested loan documentation, and that this fraudulent account is properly addressed. 

Thank you for your attention to this matter. 

Sincerely, XXXX and 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 non-monetary relief
Consumer complaint received 2024-12-04 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: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX  Former : XXXX XXXX XXXX Previous Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Collection/Charge Off XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$28000.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries 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 XXXXXXXX XX/XX/XXXX NOT INCLUDED TO THE DISPUTE XXXX XXXX XX/XX/XXXX XXXX - Tied to an open account ( Auto Loan )

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