vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXXP Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE!

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 2024-08-13 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-13 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We had both an auto loan and a VA Home Loan. We reached out to Wells Fargo for help since we were having severe financial difficulties at that time. We were told that they would not do anything to help us. We had to file Bankruptcy to save our home. This cost us thousands at a minimum. 

We come to find out that they charged us fees that were not legal. Wells Fargo was ordered to pay off our auto loan and refund us fees. Now we find out that they did the exact same thing to our home loan. With their illegal fees and actions they destroyed or credit and they 5 years of paying off our chapter 13 you would believe the Fianacial strain on our family. Wells Fargo needs to make this right with our family and as a veteran and having a VA loan there should be repercussions.

imagine they did this on both our auto and home loans destroying our credit and bankrupting us.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Complaint to CFPB about Experian Inquiry Dispute Process On XX/XX/year>, I discovered a hard inquiry from Resident Verify on my Experian credit report, which I did not expect or authorize. I promptly submitted a formal dispute on XX/XX/year>, referencing credit report number " XXXX ''. 

In response, Experian provided an updated credit report but failed to disclose their rationale for siding with Resident Verify regarding the disputed inquiry.

Unsatisfied with this outcome, I submitted a second dispute on XX/XX/XXXX, XXXX referencing credit report number XXXX This time, I formally requested that Experian provide all supporting details for their decision to validate Resident Verify 's inquiry via physical U.S. mail , with copies sent to both my email and physical address.

I believed this would ensure clear communication and create a paper trail for both parties. However, despite my multiple formal requests, Experian did not comply with my instructions, nor did they provide any data to substantiate their decision to side with the inquiring company. Furthermore, Experian did not offer an explanation for their determination.

I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). I would like the CFPB to examine Experian 's handling of my dispute, their failure to follow my specified communication preferences, and their lack of transparency in providing supporting details for their decision. I believe Experian 's actions violate the FCRA 's requirement for credit reporting agencies to conduct reasonable investigations of disputed information and the CFPA 's prohibition on unfair, deceptive, or abusive acts or practices.

I am seeking a resolution where the CFPB compels Experian to : 1. Provide all supporting documentation and communications related to their decision to validate Resident Verify 's inquiry, as per my original request.

2. Remove the disputed inquiry from my Experian credit report if Experian can not provide sufficient evidence to justify its inclusion.

I hope the CFPB will investigate this matter thoroughly and take appropriate action to address the issues I have raised. Please let me know if you require any additional information from me to assist with your investigation.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I was denied to open up a bank account with a certain Branch and was told they pulled my Chexsystem and once I reviewed it I saw that I had an ACCOUNT ABUSE LISTED for Source of Information : XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, DE XXXX Phone Number : Telephone Number Not Available Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX Date of Closure : XX/XX/year> RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : I disputed this information based on the fact that I was XXXX XXXX XXXX XXXX during the time the account was opened and closed

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 2024-08-13 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I came into the bank to cash a check and the teller instructed me that they need to speak with a manager. After they did so. They told me to make another account so I can deposit it. I did. And that account was denied for a reason that wasnt clear. After I deposited the check into my buisness account, that account was closed and my funds have been held for over a month. With no date of release

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 2024-08-13 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: GA

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-08-13 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: NJ

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: MI

Complaint narrative:
am writing to formally file a complaint against UNIFIN for their violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692c. This complaint concerns their handling of an alleged debt with the reference number XXXX. 

Details of the Violation : Collection Agency : UNIFIN Reference Number : XXXX Debt Amount : {$1300.00} Description of the Violation : UNIFIN has engaged in actions that violate USC 1692c, which governs communication in connection with debt collection. Specifically, they have : Contacted me at times and places I have clearly indicated as inconvenient. 

Persisted in communicating with me after receiving a written request to cease further communication. 

Disclosed information about my debt to unauthorized third parties, which is a breach of confidentiality and privacy. 

These practices are unlawful, distressing, and violate the rights afforded to me under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was a victim of a phishing scam and XXXX was taken through an unauthorized link in a message. I contacted Chime to dispute the charge. I have not been able to talk to anyone directly in the dispute department. They are not offering a credit until the investigation is over. I filed the dispute on XX/XX/XXXX. Im getting the run around every time I call the Chime customer service number. I already contacted XXXX. XXXX who told me to contact Chime. XXXX XXXX is a fake business that takes the money in this case. There is no contact information for them. I have told all this information numerous times to many people at Chime. I just want my money back in this dispute. I need help because Chime refuses to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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:
Subject : Complaint Against TRANSUNION for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TRANSUNION to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against [ Credit Bureau Name ] for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ Credit Bureau Name ] upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: IL

Complaint narrative:
I have been using the Wise app for a few months now and things have gone great. The app is now saying they want to close my account on the XXXX of XXXX, and they do not disclose why. They stated I can make an appeal, but then said an appeal is not available to me and I have to write a complaint. This is why I am making this complaint, I do not want my account shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.

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 2024-08-13 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation