vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *Formal Notice and Demand XXXX XXXX This is my second formal CFPB complaint demanding that XXXX immediately comply with FCRA S 605B ( 15 U.S.C. S 1681c-2 ). You are legally obligated to block all information related to identity theft and fraud on my credit report within four business days after receiving this notice. Ignoring this is not an option. XXXX  Fraudulent Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance Owed : {$13000.00}. This account is fraudulent and unauthorized, severely damaging my FICO credit report due to identity theft and fraud. Despite my first complaint, these false records persist, and your negligence is glaring. Enclosed is the FTC Identity Theft Criminal Complaint ( XXXX ) from the U.S. Federal Trade Commission, verifying the fraudulent nature of these accounts, collections, and inquiries. I demand TransUnion LLC block all identified fraudulent accounts, collections, and hard inquiries from my credit file within the legally mandated four business days.

Furthermore, you must provide a detailed explanation of your flawed verification process that allowed these errors to persist despite previous notification. Failure to act will leave me no choice but to pursue legal action against TransUnion LLC for non-compliance with federal law and negligence in protecting my identity. This is not a threat, but a promise to uphold my rights. What would be a good resolution? Ensure all correspondence regarding this matter is directed to my email at [ XXXX ]. I expect an immediate, lawful response. Your compliance with the law is non-negotiable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
I have inquiries on my credit file that I didnt permit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
I have inquiries on my credit file that I didnt permit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX bankruptcy : Bankruptcy - Reference Number - XXXX Subject : Dispute of Bankruptcy Reporting Under the FCRA To Whom It May Concern, I am writing to dispute the inaccurate reporting of a bankruptcy on my credit report. Upon confirmation with the bankruptcy court, I have verified that the court does not report credit information to any credit reporting agencies, including XXXX, XXXX, and Experian. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a bankruptcy as originating from the court without direct verification from the source violates this requirement.

Furthermore, under 15 USC 1681i, I have the right to dispute any inaccurate or unverifiable information on my credit report. Since the bankruptcy court does not furnish such information to credit reporting agencies, its inclusion on my credit report is unsubstantiated and must be removed.

Actions Requested : Conduct an Investigation : Investigate the source of the bankruptcy information reported on my credit report. If the reporting can not be verified directly by the source ( the bankruptcy court ), it must be removed.

Provide Written Confirmation : Notify me in writing of the results of your investigation and provide an updated copy of my credit report reflecting the removal of the inaccurate bankruptcy entry.

Ensure Compliance : Verify that all procedures are in compliance with the FCRA to prevent similar inaccuracies in the future.

Enclosed are supporting documents, including confirmation from the bankruptcy court that they do not furnish credit reporting data, and a copy of my credit report highlighting the disputed bankruptcy entry.

I expect a response within the 30 days required under 15 USC 1681i ( a ) ( 1 ). Failure to comply with these legal obligations will leave me no choice but to report this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding an issue with a loan I co-signed for my mother. I co-signed this loan in good faith, but I was never notified by the bank about missed payments, and I encountered significant difficulty in getting assistance to resolve the issue. As a result, the late payments were reported to my credit report, despite my efforts to address the matter. 

As the co-signer, I was not alerted by the bank when payments were missed. I was unaware of the late status of the loan until it was reflected on my credit report. Given my responsibility as a co-signer, this lack of communication left me in a difficult position. 

I never had an online account set up to make payments. Despite my efforts to resolve this issue, I could not get any help from the bank in setting up an online account or finding an alternative way to make payments. On multiple occasions, I called the bank to ask for assistance, but I was often hung up on. When I visited a branch in person, I was told that I could not get help, and despite being promised call backs, I never received any follow-up communication. 

I made payments on the following dates : XX/XX/year> XX/XX/year> Despite making these payments, the late payment entries still appear on my credit report. I believe the lack of communication and the failure to provide adequate customer service contributed to the delays in payment. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and assist in having the late payment entries reviewed and corrected. The lack of notification, difficulty in getting information, and poor customer service resulted in unnecessary harm to my credit, and I would like this matter resolved. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is a complaint against Synchrony Bank for their shady and predatory lending practices. I just found out today that they reduced my PayPal credit line from {$3400.00} to {$220.00}, despite me paying them the FULL BALANCE OWED two weeks ago. They did not notify me in advance that my account was in any danger. I was attempting to make a purchase under the assumption I had about {$1300.00} in credit available ( due to the payment only partially posting ) only to embarrassingly and furiously discover that I do not. Now my credit score takes a hit for no VALID reason other than Synchrony wants to play dirty games. When a company randomly decides to DRASTICALLY lower credit or close accounts, the usage portion of your credit score increases because it looks like youre using more credit than you are. This is a DANGEROUS THREAT to a a persons financial stability and growth.

Synchrony falsely cited my credit worthiness as an excuse even though I paid them ON TIME every month since opening the account in 2021 with the exception of two months last year when I lost my income due to an unplanned medical leave. The fact that they reduced my credit without warning AFTER I paid them {$3500.00} in full is THEFT and I want my money back. I have gone through similar things with XXXX and XXXX XXXX. These companies MUST be stopped.. Im BEYOND sick and tired of these greedy corporate banks hurting the every day working class consumer and they need to be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: WA

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/year>, followed on XX/XX/year> and followed up on XX/XX/year>. 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 in Question XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 demand 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. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: WA

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/year>, followed on XX/XX/year> and followed up on XX/XX/year>. 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 in Question XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 r
eceived 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 demand 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. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: MS

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX ACCOUNT XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in payment history. I have asked to have them updated to paid as agreed, paid on time, never late for each date on each account in the payment history. BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH ACCOUNT LISTED TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY FOR EACH ACCOUN LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( 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 2024-12-01 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: TX

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX * *Formal Notice and Demand : ** This is my second formal CFPB complaint demanding that XXXX immediately comply with FCRA S 605B ( 15 U.S.C. S 1681c-2 ). You are legally obligated to block all information related to identity theft and fraud on my credit report within four business days after receiving this notice. Ignoring this is not an option. ** Fraudulent Accounts in Question : ** XXXX XXXX XXXX : Account XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. This account is fraudulent and unauthorized, severely damaging my FICO credit report due to identity theft and fraud. Despite my first complaint, these false records persist, and your negligence is glaring. Enclosed is the FTC Identity Theft Criminal Complaint ( XXXX ) from the U.S. Federal Trade Commission, verifying the fraudulent nature of these accounts, collections, and inquiries. I demand XXXX XXXX block all identified fraudulent accounts, collections, and hard inquiries from my credit file within the legally mandated four business days. 
Furthermore, you must provide a detailed explanation of your flawed verification process that allowed these errors to persist despite previous notification. Failure to act will leave me no choice but to pursue legal action against XXXX XXXX for non-compliance with federal law and negligence in protecting my identity. This is not a threat, but a promise to uphold my rights. What would be a good resolution? Ensure all correspondence regarding this matter is directed to my email at [ XXXX ]. I expect an immediate, lawful response. Your compliance with the law is non-negotiable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I recently opened a new checking and savings with Wells Fargo. I told the banker I worked with that I use XXXX alot and was assured that I wouldn't have any issues. Tonight after maybe the 5th time I used XXXX Wells Fargo is blocking my ability to move my money around. 

I just get this popup whenever I try to take money from my account. Depositing money is no issue? They never have an issue of any caliber when you DEPOSIT MONEY yet when you try to spend it, " red flags '' arise. How magical. 

Wells Fargo is illegally preventing me from accessing my funds even after completely validating my identity and intent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of 4 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681.

Account Name1 : XXXX XXXX XXXX Account XXXX XXXXXXXX Account Name XXXX : XXXX Account XXXX XXXX Account Name XXXX : XXXX XXXX Account XXXX XXXX Account Name XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX These 4 accounts have violated my rights.

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 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 and antedates
the report by more than seven years.

15 U.S. Code 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