vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: NC

Complaint narrative:
I am complaint on the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX XXXX, I discovered that fraudulent accounts had been opened in my name without my knowledge or consent. Upon learning this, I filed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), submitted a police report, and provided Equifax with all required documentation to dispute and remove these unauthorized accounts from my credit report, in accordance with FCRA Section 605B. Despite my diligent efforts and compliance with the necessary procedures, Equifax has failed to take the appropriate actions to block or remove these fraudulent accounts, allowing derogatory marks to remain on my credit file. XXXX XXXX accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained.

Equifax has failed to fulfill its obligations under FCRA Section 605B, which mandates that fraudulent information be blocked within four business days of receiving proper documentation. To date, the fraudulent accounts and derogatory marks remain on my credit report. XXXX XXXX accessed my credit report without my consent or any permissible purpose. I did not initiate any business transaction or credit application that would justify this access. This is a clear violation of the FCRAs permissible purpose requirement. The derogatory marks and fraudulent accounts that Equifax has allowed to remain on my credit report are negatively impacting my financial well-being, causing harm to my credit score, and affecting my ability to obtain new credit or other financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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 am contacting you to dispute the inaccurate verification of an account on my credit report. The attached letters provide clear proof that the information is incorrect. However, your agency continues to report the information as accurate, despite the evidence provided. 

This failure to correct the inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which requires you to investigate and amend inaccuracies. Please reinvestigate the matter and take immediate steps to either correct or remove the false information 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 non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to dispute the inaccurate verification of an account on my credit report. The attached letters provide clear proof that the information is incorrect. However, your agency continues to report the information as accurate, despite the evidence provided. 

This failure to correct the inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which requires you to investigate and amend inaccuracies. Please reinvestigate the matter and take immediate steps to either correct or remove the false information 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 2024-10-07 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: CA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XX/XX/XXXX under the account number ( XXXX ), in the sum of {$0.00}. account opened at XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account ( XXXX ) in the sum of {$150.00}. A service XXXX account opened XXXX under the account number ( XXXX ) in the sum of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: CA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XXXXXX/XX/XXXX under the account number ( XXXX ), in the sum of {$0.00}. account opened at XXXX systXXXX in XX/XX/XXXXXXXX XXXX  under the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX A service XXXX account opened XXXX under the account number ( XXXX ) in the sum of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :

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 2024-10-07 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: OH

Complaint narrative:
Immediate Action Required Experian 's Continued Violation of FCRA and Debt Bondage Act I am filing this complaint against Experian for their blatant disregard of my rights as a XXXX  XXXX  survivor. Despite providing an attestation and a verified letter from an agency, Experian has refused to remove fraudulent accounts tied to my name. Experians inaction is not only negligent but a direct violation of federal laws.Specific Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681c-2 : Experian is legally obligated to block information derived from identity theft upon receiving proper documentation. I have met all requirements, and their failure to act is a flagrant violation of this statute. 
15 U.S.C. 1681i : By refusing to investigate and correct inaccuracies within the required timeframe, Experian is in clear violation. Their inaction is unacceptable, and I will not stand for it. 
Debt Bondage Act Violation : Experian 's refusal to remove the accounts after being provided with substantial evidence is a violation under the XXXX  Victims Protection Act ( TVPA ). The law protects survivors from financial consequences stemming from their exploitation. Experian 's disregard for this law shows their indifference to federal regulations and to my rights as a survivor.

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 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX someone fraudulently used my debit card number to pay for an XXXX ( {$95.00} ). I never use my debit card for online purchases ( only ATM withdrawals and account transfers ) and know I've kept it secure and that no one else has had access to it. My XXXX account shows no record of this charge. So I disputed it and filed a claim with Bank of America but they rejected it saying it must have been someone who has permission to use the card when that isn't true. I spoke with multiple customer representatives who said they couldn't provide any other info about the fraudulent charge. So I gave up and just got a new debit card. Then someone fraudulently used my new card number to pay for more XXXX  on XX/XX/XXXX ( {$540.00} ) and XX/XX/XXXX ( {$490.00} ). I disputed again with Bank of America but they rejected saying the same things. So I disputed with XXXX who have refunded the {$490.00}, but not for the previous XXXX charges totaling {$640.00}. They said they can't give any info about who used my debit card without a formal request from a government agency, so I tried to file a police report with the XXXX. But the XXXX said they need an affidavit from Bank of America so I've asked them for it but they've said they can't provide XXXX. There needs to be a way for the authorities to get the details of who made those XXXX purchases to determine if they were someone who had permission to use my debit card or not. I know for sure that these charges were not made using my debit card and I've lost {$640.00} in my Bank of America account so far through someone fraudulently accessing my debit card info online.

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 monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-10-07 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> I deposited ( {$17000.00} ) into my checking account and ( {$17000.00} ) into my savings account. I received one deposit slip for both transactions. On XX/XX/year> I set up my online banking and noticed that both of my deposits on XX/XX/year> did not match my deposit slip ; both account was short {$3000.00}. At the time ( on Sunday ) I called customer service and spoke to a representative name XXXX; filed a claim and he told me that someone would get back with me in a few days which did not occur. The very next day I went into the brach and spoke to the supervisor name XXXX and she took my information. On other times that I tried to resolve this issues, I was told by XXXX XXXX that the teller that completed my deposit on XX/XX/year> tried to call me. This was not true because I never received any calls from Navy Federal. I pulled my phone records to proof it. On XX/XX/year> I went back into the branch, I was told by XXXX XXXX that my claim was closed and instructed me on next steps. XX/XX/year> I wrote a certified letter to Navy Federal Credit Union Corporate Office, ATTN : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX. I was notified that my letter was received on XX/XX/year> @ XXXX XXXX. I have not been contacted back in any way and my issue is still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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 am reaching out to dispute the ongoing verification of an account on my credit report. Attached are letters that clearly prove the information being reported is inaccurate. Despite this, your agency has failed to make the necessary corrections and continues to report the information as accurate. 

This failure to correct the inaccurate information violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which mandates that you investigate and correct any inaccuracies. I kindly request that you conduct a thorough reinvestigation and either correct or remove the inaccurate information from my credit report to ensure its accuracy.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to dispute the ongoing verification of an account on my credit report. Attached are letters that clearly prove the information being reported is inaccurate. Despite this, your agency has failed to make the necessary corrections and continues to report the information as accurate. 

This failure to correct the inaccurate information violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which mandates that you investigate and correct any inaccuracies. I kindly request that you conduct a thorough reinvestigation and either correct or remove the inaccurate information from my credit report to ensure its accuracy.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX Balance {$2400.00} XXXX  XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$590.00}

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX Balance {$2400.00} XXXX  XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$590.00}

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 2024-10-07 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: ID

Complaint narrative:
I made XXXX a month extra on my mortgage payments I asked it to be applied to my prinsible instead they held the money untill it reached XXXX my payment amount and applied it as a payment with escro and interest taken out so I should be several months ahead on my payment but no I was XXXX say late on my payment and I was charged a late fee then I started making payment every XXXX weeks so I wouldnt be late again but if my payment on say XXXX and XXXX th they would charge a late fee even know I was paying XXXX more than my payment amount and they are still holding money for XXXX month till it adds up to a payment the. Putting towards a payment instead of to principle like I asked

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation