vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: CBC Companies, Inc.
State: CO

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. XXXX XXXX All accounts XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -All accounts XXXX XXXX XXXX XXXX all accounts XXXX  XXXX I have never provided permissible purpose for these accounts, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: RI

Complaint narrative:
I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

XXXX XXXX XXXX XXXX Account number # XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX amount of {$360.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have not applied for a vehicle. I look at vehicles online just looking and the dealership automatically finds my name and then runs my credit report and they dont run it to one place. They run it to 20 or 30 places so I have like 90 hard inquiries on my Trans Union, XXXX, and XXXX credit reports of lenders from dealerships that are just running my credit rampantly and irresponsibly. They dont never take anything off it stays on there. Ive got 90 inquiries from far back nothing ever goes away and theres different credit reports that show different information and like it doesnt ever go away like I have one on there from XXXX  on that was way back in XXXX. They said they get to leave it on there until XXXX you know and the Dealerships are the ones I really wan na get off of there because 90 inquiries makes me look irresponsible and I never did that.

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 2024-12-09 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: RI

Complaint narrative:
I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

Medical payment : XXXX XXXX Account number # XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX amount of {$470.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: RI

Complaint narrative:
I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

Medical payment : XXXX XXXX Account number # XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX amount of {$470.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-09 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:
The following are fraudulent inquires that need to be removed from my credit report : 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 XXXX XXXX I am attaching a letter from all these creditors authorizing the removal of all these fraudulent credit inquires from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
The following are fraudulent inquires that need to be removed from my credit report : 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 XXXX XXXX  I am attaching a letter from all these creditors authorizing the removal of all these fraudulent credit inquires from my credit file.

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 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Without any prior warning, my card was locked after I made a {$800.00} gift card purchase on XXXX ( while I had a {$12000.00} credit limit ). When I contacted the customer service team, I provided my date of birth and the last four digits of my Social Security number as requested. However, I was told I needed to visit a local branch in person with two forms of identification to resolve the issue. 

I complied with these instructions and went to a local branch, bringing my U.S. passport card and XXXX XXXX card. To my surprise, the branch declined my XXXX XXXX card and insisted that I needed a state ID or drivers license. As someone who does not drive and recently became a U.S. citizen, I do not possess either form of identification. Consequently, the branch refused to unlock my credit card. 

I find this situation unacceptable for several reasons : 1. Why was my card locked without prior notification for what should be considered a normal purchase?

2. Why is a valid U.S. passport card, a universally recognized government-issued ID, deemed insufficient by your bank?

3. Why does your policy require two photo IDs when I am able to provide multiple other documents to verify my identity, including bank statements, my citizenship certificate, and other credit cards?

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX  Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by XXXX, and TransUnion. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities.

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by Experian, and XXXX. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities. 

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.

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 2024-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NATIONAL ASSET MORTGAGE, LLC
State: AR

Complaint narrative:
I notice on all statements there has been duplicate charges for insurance fees! I spoke with XXXX he instructed me that there will be a {$100.00} charge an hour to send over any information pertaining to the loan for XXXX. I requested the total amount thats been paid into escrow, the amount theyve been paying for taxes on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CITIBANK CLOSED MY ACCOUNT WITH PROVIDING NO REASON. TOLD ME THAT MY FUNDS WILL BE RETURNED TO ME IN THE NEXT 45-60 BUSINESS DAYS I WAS REACHING OUT TO CUSTOMER SUPPORT AND THEY WILL TELL ME TO WALK INTO BRANCH FOR MORE INFORMATION, I WILL WALK INTO BRANCH AND THEY WILL TELL ME TO CALL CUSTOMER SUPPORT LONG STORY SHORT NOBODY HAD A ANSWER FOR MY MONEY WHERE IT WAS WHERE IT WAS GOING NOTHING ALL THEY CAN PROVIDE TO ME WAS THAT MY ACCOUNT WAS CLOSED NOTHING FURTHER

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been a member at Wells Fargo bank for over 11 years. Throughout the years of having this account I have received multiple denials and discriminatory activities against me. 
Recently, my account was closed without notification and discrepancy and dates of closure. 
Notification of closure date was on XX/XX/XXXX via email address. 
Was told by bank that my account had closed on XXXX and then officially closed on XX/XX/XXXX and I was notified by mail in which is not true. 
Bank account was overdraft and I was making payments toy account trying to catch up with overdraft payments, unaware that my account was closed while still making payments. 
After being a lawyer member to this organization, I have experienced fraud waste and abuse by Wells Fargo. 
Pre-approvals for loans and credit cards sent to me only to deny me credit of any kind. Fraudulently running my credit score knowingly that a denial was going to be sent, denied business accounts, and also overcharged for not meeting certain criterias that were met.

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 2024-12-09 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: LEXISNEXIS
State: CO

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. 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 I have never provided permissible purpose for these accounts, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 15 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 explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account information is incorrect, the status of this account is in good standing and the balance is incorrect on file.

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 2024-12-09 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: TX

Complaint narrative:
Account information is incorrect, the status of this account is in good standing and the balance is incorrect on file.

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 2024-12-09 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: RI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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