vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I asked the following : Has Wells Fargo ever sent me a certified letter when my loan was allegedly 120 days past due? If yes, please provide me with the copy of the letter. If no, please advise. 

They came back and said they would not respond to any more letters regarding the default letter. This is the first time I have ever asked about this letter. I sent this request to XXXX XXXX, CEO of Wells Fargo, and he had XXXX XXXX respond to the request. XXXX XXXX is located in the Escalations/Executive office.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: WV

Complaint narrative:
Department of Education/Nelet IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( third party from XXXX XXXX XXXX XXXX ) is on my credit report on false pretenses. According to Certified XXXX Audits I have obtained from all three companies state that my contracts were traded on the secondary market and the product/service was PAID the moment I signed the agreement. The companies listed above took those agreements and securitized them with the Federal Reserve. The above listed companies are committing Tax Evasion and Extortion according to the expert witness who conducted these certified audits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: WV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and National Credit Systems ( third party from XXXX XXXX XXXX XXXX ) is on my credit report on false pretenses. According to Certified XXXX Audits I have obtained from all three companies state that my contracts were traded on the secondary market and the product/service was PAID the moment I signed the agreement. The companies listed above took those agreements and securitized them with the Federal Reserve. The above listed companies are committing Tax Evasion and Extortion according to the expert witness who conducted these certified audits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XXXX XXXX I sent a letter to TransUnion disputing a bankruptcy showing on my credit report. They responded with a letter stating that its was " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I also went directly to the courthouse XXXX XXXX and asked do they verify with any credit agency they responded with a letter XXXX XXXX with a letter stating they do not report to any agency I then went back to TransUnion on XXXX XXXX and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: OK

Complaint narrative:
I had NetSpend all access account, my stimulus was deposited onto it. had XXXXXXXX XXXX left in my savings I noticed unusual activity where my money was slowly being transferred out I contacted them they said they would fix the issue and no more money would be able to be transferred but slowly it all became empty then they sent me a check closed my account for XXXX $ and I'm still left without all my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a AAA credit card through commenity Bank ( aka Bread financial ) my interest rate for many years went from 8 % to 18 % when bread financial bought AAA financial. Now, they sent me a letter stating that my credit will go up to 27.24 % I have worked so hard to pay it down but still owe close to {$5000.00}. This is almost criminal and wrong to raise my interest rate almost 10 %. This is just wrong and I will never be able to pay it off if they do this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX, Transunion, and XXXX, regarding their handling of inaccurate information on my credit report. Despite disputing the inaccuracies, XXXX, Transunion, and XXXX conducted an insufficient investigation that resulted in the verification of fraudulent accounts, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I first became aware of the inaccuracies on my credit report when I noticed discrepancies in the information reported by XXXX, Transunion, and XXXX. I promptly filed a dispute by certified mail with XXXX on XX/XX/year>, tracking number # XXXX, Transunion Tracking # XXXX, and XXXX tracking # XXXX, providing detailed documentation highlighting the incorrect names, dates of opening and closure, as well as the presence of fraudulent accounts. 

Despite my efforts, XXXX 's investigation into the disputed accounts came back as " verified, '' indicating that they failed to conduct a thorough examination of the inaccuracies. The verified presence of fraudulent accounts on my credit report not only tarnishes my creditworthiness but also exposes me to potential financial harm. 
I have enclosed copies of all three credit bureau reports, where I have clearly highlighted in red circles the incorrect information and fraudulent accounts that XXXX failed to address adequately. The discrepancies present on my credit report are not only concerning but also indicative of XXXX 's negligence in upholding their obligations under the FCRA. 
The inaccurate reporting of fraudulent accounts by XXXX is not only damaging to my financial standing but also constitutes a violation of my rights as a consumer. XXXX 's failure to conduct a thorough investigation and rectify the inaccuracies on my credit report is unacceptable and warrants immediate action. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate measures to hold XXXX accountable for their actions. I request that XXXX be compelled to remove the inaccurate and fraudulent accounts from my credit report and take steps to prevent similar incidents from occurring in the future. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that my rights as a consumer are protected.

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 2024-02-17 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and Equifax, regarding their handling of inaccurate information on my credit report. Despite disputing the inaccuracies, XXXX, XXXX, and Equifax conducted an insufficient investigation that resulted in the verification of fraudulent accounts, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I first became aware of the inaccuracies on my credit report when I noticed discrepancies in the information reported by XXXX, XXXX, and Equifax. I promptly filed a dispute by certified mail with XXXX on XX/XX/2024, tracking number # XXXX, XXXX Tracking # XXXX, and Equifax tracking # XXXX, providing detailed documentation highlighting the incorrect names, dates of opening and closure, as well as the presence of fraudulent accounts. 

Despite my efforts, XXXX 's investigation into the disputed accounts came back as " verified, '' indicating that they failed to conduct a thorough examination of the inaccuracies. The verified presence of fraudulent accounts on my credit report not only tarnishes my creditworthiness but also exposes me to potential financial harm. 
I have enclosed copies of all three credit bureau reports, where I have clearly highlighted in red circles the incorrect information and fraudulent accounts that XXXX failed to address adequately. The discrepancies present on my credit report are not only concerning but also indicative of XXXX 's negligence in upholding their obligations under the FCRA. 
The inaccurate reporting of fraudulent accounts by XXXX is not only damaging to my financial standing but also constitutes a violation of my rights as a consumer. XXXX 's failure to conduct a thorough investigation and rectify the inaccuracies on my credit report is unacceptable and warrants immediate action. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate measures to hold XXXX accountable for their actions. I request that XXXX be compelled to remove the inaccurate and fraudulent accounts from my credit report and take steps to prevent similar incidents from occurring in the future. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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:
In correct information is on my credit reports under acts law ... ... list of companies is on my reports... .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

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 2024-02-17 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:
In correct information is on my credit reports under acts law ... ... list of companies is on my reports... .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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My credit card was delivered to the wrong address and the individual managed to create a unique login and use the card for {$200.00} worth of fraudulent activity. I needed to get a replacement sent out to an alternative address because Barclays failed to utilize the delivery services appropriately twice ( third time I had the card sent to alternative address ). 

Barclays assured me I would not be liable for the charges but now, months later, I receive a notice saying Im responsible. This will lead to a small claims court case if not properly handled.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or about XX/XX/2024 I had checked my consumer report and noticed a fraudulent collection account being reported to XXXX and XXXX on that same report from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have no Idea what this account is and I have never signed up for or taking any classes at that institution. in addition I would like to say that I am not known as XXXX XXXX, XXXX XXXX or XXXX XXXX. My name is XXXX XXXX and that is what is shown on my state issued ID and drivers license. On my consumer report from Experian there are several inquiries that I am unfamiliar with and that I am certain that I did not authorize. I have disputed this information with them previously but Experian refused to remove the items. These inquiries are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My business and personal bank accounts were closed without me being given an official reason. The manager said it's probably because I was making too many cash deposits. He was aware that Citizens bank 's cash advance machines were down company wide because they are changing their system out. ( so I was told ) For what I assumed was going to be a week or 2 but this went on for several months so I had to continually go to another bank when I needed cash advances and bring the cash back to Citizens to deposit into my account. I have a line of credit from another bank that I can continually draw from and pay it back. Any account linked to my business account has been shut down and closed. They said it would be closed permanently on XX/XX/24 but they closed everything on XX/XX/24 after only giving me about 3 days notice. After getting the letter I spoke to the manager and he said he would appeal the decision and let them know it he was aware I was bringing the cash deposits because of the broken cash advance system at his bank. He told me the appeal was denied on approximately XXXX which only gave me about 3 days to make other arrangments and with Friday the XXXX being a pay day for my business caused me harm because now I don't know if my employees were able to cash their checks. I googled this and found that Citizens bank has been doing this to other customers also without giving them any explanation as to why. I requested a number to call the corporate office and the manager said he didn't have one. I asked for Contact information for the president of the bank and again he told me he didn't have anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: IA

Complaint narrative:
I have 2 collection accounts that showed up on my credit report. Both say they are for an original creditor of XXXX XXXX, but do not give complete account numbers, so when I call to dispute it, they won't give me any information because they can not verify it belongs to me, yet when I dispute it through XXXX, the account remains because the collection agency verified it was mine! What??? 
First collection agency : MRS BPO XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Date opened was XXXX ( I have never received any bills or collection notices in my mail from the original creditor of XXXX XXXX, yet when the collection agency gets it in XXXXXXXX XXXX XXXX they somehow have my information to report it on. ) Amount is {$2300.00} as of XX/XX/2024. Again, I have NEVER had an account with XXXX XXXX 
Second collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- XXXX Date opened XXXX ( Again, never received bills from original creditor of XXXX XXXX yet collection agency throws it on me. ) Amount is {$260.00} as of XX/XX/2024. Why is this amount different than the other collection agency. And again, I have NEVER had an account with XXXX XXXX nor received any bills or or collections letters at my address. 
I have disputed with the credit reporting agencies, yet both account remain as " verified correct ''. Yet when I call the collection agencies, I get a run around, and someone will call you back, and we can't verify your information, so we can't discuss it with you, and no one will send me out any type of verification information. 
Personal note : A person can commit MURDER in this country and they are innocent until proven guilty. BUT, if something shows up on your credit report, it is yours ( even if it isn't ), you are guilty ( even if you aren't ), and good luck trying to prove your innocence!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reviewed most recent credit report from Experian and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA, I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

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 2024-02-17 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: SC

Complaint narrative:
Please see attached documentation Ive dealt with pain and suffering from not being approved for many things because of these errors on my report. 
I do not consent to E-Oscar facilitating my report I need a human being researching my report there are ALOT OF ERRORS and with ANY ERRORS OR INACCURACIES COMES REMOVAL NOT UPDATE BUT REMOVAL!

Company response to consumer: Closed with non-monetary relief