vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
I recently viewed a copy of my credit report and saw that there was fraudulent accounts. Please remove these accounts as they are hurting me to obtain credit. 

I dont feel as if I should have to pay for something I never opened Ive submitted multiple complaints in regards to this fraudulent account including inaccuracies and you guys have still failed to remove such item from my credit report and it is still hurting my ability to obtain credit every credit bureau except transunion has removed this from my report This account was charged off on XX/XX/XXXX ( updated by maintenance ) since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX This account was charged off on the following date XX/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 2024-09-04 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.
State: FL

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Nowcom/rhino auto sale XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. Immediate Action Required I deman
d immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

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 2024-09-04 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: NY

Complaint narrative:
XXXX Vehicle was paid in full to XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX I applied for a Mortgage and following a credit inquiry by a different bank, was notified that this was still showing up on my credit report with a balance. 
-Upon contacting the bank involved, they told me my balance was XXXX and that they had reported this to bureau possibly incorrectly. 
-This is affecting my eligibility and qualifications for loan rates.

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 2024-09-04 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 and collections are the result of identity theft and fraud. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX {$2100.00} XXXX XXXX {$420.00}

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 2024-09-04 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: TX

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I signed up for an experian account and then downgraded to the free membership they offer. In light of the massive data breaches the company has fallen victim to I no longer feel secure with having a membership. Ive tried calling multiple times but the companys automated receptionist does not allow you to cancel your membership. At best it redirects you to refer to the website however, the website explicitly states you can only cancel over the phone. I just want my account cancelled but the company has intentionally obfuscated the process.

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 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I purchased a XXXX XXXX XXXX from a web site called XXXX XXXX XXXX. This web site shut down after they received my money. I sent a deposit of {$10000.00} cash to a Bank of America business account on XX/XX/XXXX. I sent the final payment of {$25000.00} cash to the final invoice account info supplied by the company to the bank of America business account for them. They called me and said it would be delivered in about 5 days. The truck driver who was going to deliver it called me the next day and said he would be dropping it off on XX/XX/XXXX or XXXX. I never heard from them again. they never answered their business phone number, which is XXXX, or the truck drivers phone number which is XXXX. I see now that during the supposed delivery time, they cleared my money from their criminal bank account and closed the accounts. Bank of America totally protected these criminals with their fraudulent accounts and ignored my pleas to freeze them untill this issue was resolved. The accounts were at a fraud address that was empty and belonged to someone else. The so called business address was : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Illinois, XXXX. The business accounts were registered in California. The web site that hosted their con job was call XXXX. They would not give me any info on the owners. Please help me. Bank of America allowed a criminal activity to have a scamaccountwithno accountability for their crime spree.

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 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
In order to clarify the Confused process, I will post here the letter that I sent to them with no answer wet. I was trying to receive funds from Brazil, that's when I realized the problem. They release the money to me, that was solved, however I have concerns about this company : XX/XX/XXXX Dear Representative for WISE My name is XXXX XXXX XXXX, I am writing to express my serious concerns regarding the recent notice I received on Tuesday, XX/XX/XXXX, informing me that my account will be closed due to the existence of two accounts under my name. 

First and foremost, I would like to emphasize that I have been a TransferWise ( now Wise ) customer for nearly 9 years, and I have never opened multiple accounts. The privacy and security implications of this situation are highly alarming to me. 

It appears that during the transition from TransferWise to Wise, where the system was altered to function more like a bank, a new account was created under my name without my consent, authorization, or knowledge. This account includes a bank account number and routing number, which I never requested or agreed to open. 

Until recently, I had no issues with TransferWise. However, when I logged in a few days ago, I noticed significant changes. The platform, which was previously simple and straightforward for sending and receiving money, now operates like a bank account. Furthermore, my account information was altered without my consentan old address from XXXX was listed as my current address, despite the fact that I have moved XXXX times since then. Additionally, I was informed that my date of birth was incorrect. 

I promptly provided the requested photo ID to verify my identity. Now, I am being informed that my account will be closed in XXXX. If this situation was truly due to fraudulent activity, why wasnt immediate action taken to suspend or close the account at the time of the suspicious activity alert? 

I am requesting a thorough explanation of why an account was created under my name without my consent, and why I am being penalized for errors made by your system. It is extremely concerning that my account was set up with incorrect personal information, and yet I am being treated as though I am at fault. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 
That is my information I got from the system : Wise Account Holder XXXX XXXX XXXX XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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 Adjusters, LLC
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to demand the immediate deletion of the XXXXXXXX XXXX XXXXXXXX account from my credit report due to multiple discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are obligated to ensure that all information contained in consumer reports is accurate, complete, and verifiable. 

Upon reviewing my credit report, I have identified the following discrepancies that render the XXXX XXXX XXXX account inaccurately reported : Credit Limit Discrepancy ( XXXX Report ) : The XXXX report lists a credit limit of {$0.00}, whereas the XXXX and Experian reports correctly list the credit limit as {$1700.00}. This discrepancy indicates a failure to report accurate information. 

Date of Last Payment Discrepancy : XXXX reports the date of last payment as XX/XX/year>, while XXXX reports it as XX/XX/year>. The inconsistency in payment dates between the credit bureaus is unacceptable and misleading. 

Account Activity Discrepancy : The account 's last activity date is reported as XX/XX/year>, by XXXX, and as XX/XX/year>, by XXXX. Such conflicting information suggests that the account is not being reported accurately. 

Incomplete High Credit Information ( XXXX Report ) : The XXXX report fails to list the high credit amount, unlike XXXX and Experian, which both report the high credit as {$2300.00}. This omission demonstrates a clear lack of completeness in reporting.

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 2024-09-04 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: CO

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Identify item ( s ) resulting from the identity theft that should be blocked and removed with no reinsertion, or I will file a lawsuit against the creditor, XXXX, Equifax and XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc
State: WA

Complaint narrative:
They are reporting XXXX charged off accounts from XXXX XXXX XXXX. This is being reported on my credit XXXX. They are reporting that I owe them this amount, as well as XXXX reporting the same thing. I've reached out to both companies and they're continuing to do that. How can they both be reporting the same debts on my credit report. XXXX negative marks. How can it be reported past due with the original creditor and the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been a vXXXX XXXX XXXX XXXX XXXX that's resulted in identity theft. Under 15 usc 1681 I have a right to privacy. I'm requesting a re-investigation on the accounts that I've disputed based on 15 usc 1028a XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX I've disputed 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 explanation
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2024-09-04 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: CA

Complaint narrative:
I write a letter with my dispute to Equifax and I need to know WHY these inquiries are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with their Agency for the purpose of filing a complaint with your agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
Dear FIRST CITIZENS BANK and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee. 


Please provide this information as quickly and accurately as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Repeated calls at all hours for someone else when I tell them no one at this number by that name many many times

Company response to consumer: Closed with non-monetary relief